Is it legal for credit card issuer to decline a transaction when the customer is not over limit and not late?

I think I have 'pissed off' someone at my credit card issuer. Every time I try to use my card it gets declined. My balance is not where near my credit limit. I have not been late on a payment for the last four years.





Does this constitute an adverse action as defined by Regulation B.|||Call and ask why you keep getting declined. You shouldn't be declined for pissing someone off. If you have an open account and have credit available and your payments aren't late then you should be able to use your card. Call and ask about it.|||If you haven't used it much,they may have reduced your credit line...|||Have you called the credit card company?|||Ask your credit card company. If you are trying to use Chip'n'Pin perhaps you are entering an incorrect PIN which would inevitably result in a declined transaction|||I have had the same problems in the past...quite embarrassing...when I called to confront the issue...I was told it was for my protection....that it was an unusual spending pattern....uh I tried to use it once in like 3 months...like I am suppose to use it everyday or something to constitute a "NORMAL" spending habit????|||If you have rented a car recently, I would call the rental company and make sure they took the block off the card. They usually block like $250 to make sure you will have enough to pay for the rental and then take it off when you pay for the rental. If they forgot to take off the block you would be unable to use this money.|||1st of all, it's their money, not yours!





2nd, they reserve the right to decline certain transactions, such as Discover card stopped letting people charge online casino gambling, etc...





3rd, the have the right to put a possible fraud alert on your account for possible suspicious activity.





More on this 3rd action...many times when people steal a wallet, they go straight to a gas pump and fill up a car with gas. There are not clerks there to challenge them for id...then after this success...they know you have not yet turned off the card...they will hit wal-mart for a big screen tv or a computer...normal purchase amount around $700.





Sometimes I think they might have a friend working that register in advance, because if i was the cashier, i would certainly check their damn id for a big transaction like that!





Anyways, when credit companies track for this kind of activity, gas, then big purchase...or many other types of combinations...they will often freeze your account until they contact you and verify your card is still in your possession and that you are familiar with the charges.





Even if you have your card...all it takes is some waiter to take your card out of your sight, make a rub impression, or even get a magnetic reading of it..this tech stuff is sold, i assure you...and then either make a fake card from the info...or simply have a friend that runs a register ring the sale as manual credit by typing in the numbers and exp date.





SO, don't whine...