Is Your Credit Card on Hold Again?!

Click For Summary

Discussion Overview

This thread discusses the challenges faced by Pampered Chef consultants regarding credit card declines during shows, particularly during the holiday season. Participants share their personal experiences with credit card issues, including the frustrations of having shows put on hold and the communication strategies they use with customers.

Discussion Character

  • Anecdotal
  • Opinion-based
  • Exploratory

Main Points Raised

  • One participant, identifying as a consultant, expresses frustration over having multiple credit cards declined for a show, leading to complications in communication with guests.
  • Another participant shares their experience of successfully handling a credit card issue by suggesting the possibility of a mistake in recording the card details, which may ease the conversation with the customer.
  • Several users mention that some credit cards may not process correctly through the system, regardless of the customer's funds or credit limits.
  • One participant recounts a situation where a guest provided a different card after the initial one was declined, highlighting the importance of having backup payment options.
  • Another consultant notes that they have had few declined cards and have found that framing the issue as a potential mistake on their part helps keep customers calm.
  • Some participants discuss the possibility that debit cards may face additional processing issues, with one noting that they have heard about manual processing helping in such cases.
  • One participant shares a specific instance where a customer's pre-approval for a large charge affected the ability to process their card, leading to multiple calls and eventual resolution.

Areas of Agreement / Disagreement

Views differ on the best approach to communicate with customers about declined cards, with some participants advocating for a more gentle framing of the issue, while others focus on the technical aspects of credit card processing. No clear consensus emerges on the frequency or causes of credit card declines.

Contextual Notes

Participants are discussing their experiences during a busy holiday season, which may contribute to the increased frequency of credit card issues. The nature of the conversations suggests a shared understanding of the challenges faced in managing customer expectations and technical difficulties.

Who May Find This Useful

Consultants who encounter similar issues with credit card processing during shows may find the shared experiences and communication strategies helpful in navigating these challenges.

heat123
heat123
Silver Member
Messages
6,922
This is my 2nd one in the past week and it's driving me nuts!

THis is My last show of Dec and I wanted it in before the 14th, great I transmit last night and get the dreaded "show on hold" email for not 1 but 2 credit cards this time! :grumpy:

Last show was 1 persons! It drives me nuts when this happens, cause I then have to call HO to confirm and have them run it through 1 more time, then I have to try and track down the guest whom I only met once to tell them their card was declined! I hate doing that!:yuck:

HO has a 2.5-3.25 hour wait right now! Not helping things:(

I know it's the holidays people but know your credit limits before spending won't ya!:eek:

Anyone else having this problem this month!??
 
Thankfully, I have not run into this. You could tell those guests that you may have written their name down wrong, or gotten their expiration date wrong, or transposed numbers before you tell them its declined...that is an easier message to deliver to someone you just met one time vs saying their card has been declined.

Sorry that you have to deal with shows being put on hold. I hope you can get it worked out ASAP. Best of luck!
 
I had my first one on hold this week. A girl I work with... I told her and she said that the payment maybe just hadn't posted yet. LUCKILY she wanted this stuff for Christmas and I told her the order won't ship until I have another card or check. She said she would call the CC but then brought me another card.

It was a pain though! She knew it would be close and had another card she could use! Oh well - it shipped so Yea!
 
I do like Kacey and leave a message that it might be my fault. I've found that customers get less defensive if you word it that way. And it may not be a funds/credit limit issue anyway - lots of cards just won't process correctly through HO.

I guess I got lucky - my show Tuesday had very few cards on it. Which could be a problem if people wrote rubber checks, but I only have to worry about 3 cards holding it up. (I'm submitting that one after work today if I don't hear from the host that she has another order.)
 
  • Thread starter
  • #5
chefann said:
I do like Kacey and leave a message that it might be my fault. I've found that customers get less defensive if you word it that way. And it may not be a funds/credit limit issue anyway - lots of cards just won't process correctly through HO.

I guess I got lucky - my show Tuesday had very few cards on it. Which could be a problem if people wrote rubber checks, but I only have to worry about 3 cards holding it up. (I'm submitting that one after work today if I don't hear from the host that she has another order.)
Click to expand...

I heard something about debit cards not going through at HO is that true( unless they manually run them)? I always call HO before calling the guest to have them try to run it one more time and make sure I input the right info (but P3 will now flag an incorrect #) but I just hate calling them to ask for another card!:(
 
I haven't experienced it myself, but there are a bunch of people who have reported that having HO run some cards manually will make them go through.

I know, and you know, that P3 flags incorrect card numbers, but our customers don't know that. Saying that, "I just got a call that your card didn't go through. Can I check that I didn't transpose any of the numbers?" is a far more gentle message than, "Your card was declined. Do you have another?" And if they insist that there are funds, then you can ask whether it's a debit card, so you know whether to pass that info along to HO so they can push it through.
 
  • Thread starter
  • #7
chefann said:
I haven't experienced it myself, but there are a bunch of people who have reported that having HO run some cards manually will make them go through.

I know, and you know, that P3 flags incorrect card numbers, but our customers don't know that. Saying that, "I just got a call that your card didn't go through. Can I check that I didn't transpose any of the numbers?" is a far more gentle message than, "Your card was declined. Do you have another?" And if they insist that there are funds, then you can ask whether it's a debit card, so you know whether to pass that info along to HO so they can push it through.
Click to expand...
That's a good way of putting it. I have only had to deal with 6 or less declined problems (in two years) and have always told them it's been run thru 2-3 times but it did not go through and haven't had any miffed guests so far... but your way is much nicer!:p
 
And if they insist that there are funds, then you can ask whether it's a debit card, so you know whether to pass that info along to HO so they can push it through.
Click to expand...
Maybe that's what was wrong with the one I had a couple of weeks ago. It was a debit card and HO tried running it 3 times but it wouldn't work. The customer had been using it during that time and also went to her bank and couldn't find a problem with it. Good to know for the future. Thanks!
 
  • Thread starter
  • #9
OMG, The waiting is going to kill me! I just tried calling both, they only left home #s, so If I cannot get ahold of them by tommorrow, there goes the deadline guarentee for X-mas shipping and a few of the guests really wanted their items before then! :( And that's why I pushed the host to close yesterday! This totally sucks!
 
So P3 will recognize an incorrect CC number? I didn't know that. Even though we have not submitted the show yet, it can tell if a # is incorrect?
 
I had 2 declined credit cards on a show this week - and they were both my fault! I had the wrong exp. date for both of them!:grumpy:
 
mpkegley said:
So P3 will recognize an incorrect CC number? I didn't know that. Even though we have not submitted the show yet, it can tell if a # is incorrect?
Click to expand...
Yes. There's an algorhythm to determine whether a CC# is valid. At least that it is a legitimate number - not whether it's good. :) It has to do with certain digits compared to others, etc. I don't know the actual rule, but there's a similar one that's used to check doctor's DEA numbers on prescription pads (I worked at a pharmacy one summer in college). The CC# check is built into P3. If you mis-type a card number in such a way that it's not a good number, it will tell you.
 
  • Thread starter
  • #13
So hypothetically, let's say a cc card is declined and they decide to cancel at the last minute and it affects the host level... what happens then?? Just curious, never had that happen or heard of it happening before?
 
heat123 said:
I know it's the holidays people but know your credit limits before spending won't ya!:eek:
Click to expand...
The first time I was a PC guest my card didn't work. It was a debit card, I had over $5K in the account. Problem was on PC's end.Be careful about adopting the attitude that your customer is at fault or somehow careless. She will hear that in your voice, no matter what you say.And there's always the possibility that her spouse may have just bought her a big-ticket Christmas present and she doesn't know the account is over the limit!
 
Last edited:
I have had 2 shows on hold this week. One was my fault, wrong exp date. The other one I had to call the customer 4 times and they insisted the credit card should go thru. I had all the right info. I had Pampered Chef try it 4 times and it didn't go thru then call the customer back. She started to get annoyed with me. The first 2 times I said I just wanted to verify the info incase I made a mistake. It turns out they had a pre approval from the credit card company for a large charge and it was only good for 24 hours. It finally went thru this morning Yah!!! It was not alot of fun. Sent in an additional 4 shows today.
 
  • Thread starter
  • #16
I got ahold of one guest and she said it already went though to her acct in the amount specified??? I put another call into HO but still am waiting for another 1.5 Hours!
Maybe it was a debit card and she put in the $$$ to cover it? I told her I would call back if there more problems??
 
  • Thread starter
  • #17
Thank goodness both were finally approved! Last show for Dec in by the 15th shipping and commission deadline! Yeay!
 
I had a host last week put almost a $1000 on her debit card to pay for the show. She had all of the outside order customers and the co-host pay her for their orders. I was holding my breath for days waiting for that dreaded e-mail. Thankfully it went through fine!
 

Frequently Asked Questions

What does it mean if my credit card is on hold?

If your credit card is on hold, it typically means that there is a temporary restriction on your card that prevents transactions from being processed. This can happen for various reasons, such as suspected fraud, insufficient funds, or issues with the card issuer.

Why does my credit card keep getting put on hold?

Your credit card may be put on hold repeatedly due to multiple failed transaction attempts, unusual spending patterns that trigger fraud alerts, or if your account is nearing its credit limit. It's also possible that your card issuer has flagged your account for security reasons.

How can I resolve a credit card hold?

Will my Pampered Chef orders be affected if my credit card is on hold?

Yes, if your credit card is on hold, it may affect your ability to complete purchases with Pampered Chef. Orders may be delayed or canceled until the hold is resolved and your payment method is active again.

What should I do if my credit card is on hold during a Pampered Chef party?

If your credit card is on hold during a Pampered Chef party, it's best to communicate with your consultant as soon as possible. They can assist you in finding alternative payment methods or help you resolve the issue with your credit card issuer to ensure your order is processed smoothly.

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