Had a bad week with mobile payments til I talked to my credit union rep

I was about to dump my whole setup last Tuesday after my card got declined three times at the grocery store in Denver. Turned out it was a daily limit I didn't know about, set at $500. My credit union rep spent 20 minutes on the phone and walked me through raising it and adding travel alerts. Has anyone else had a limit surprise them like that?

3 comments

3 Comments

the_elizabeth2mo ago

Oh man, I read something about how banks quietly set those daily limits and don't tell you until it's too late. Glad your rep actually helped you out with it!

terry_barnes19d ago

Funny how they can text you about a $3 debit card fee but go silent when you actually need your own cash. Ngl @linda_wood is right, I've had that same hold time nightmare trying to get my limit bumped for a Craigslist couch. Honestly I'm half expecting one day to find out my bank limits my breathing without telling me.

linda_wood2mo ago

And the worst part is they don't even put it in writing. Had a buddy try to move a chunk of cash for a used truck he was buying, and the bank just locked his card at the ATM. No warning, no text, no nothing. He had to call and sit on hold for 45 minutes just to get a temp limit raised. They'll happily take your deposits all day but the second you want your own money out, suddenly there's a rule book they forgot to mention. Makes you wonder what other crap they're hiding in the fine print.