I have a very strange case for one AMEX card cancelled about 2 years ago.
I find it was used in the past days by someone and 2 transactions went through in Coles.
Some other transactions didn't go through (not sure why)
AMEX is fine as they will refund the money to my cancelled card…
Very strange, as I thought it is cancelled, why can it be used by someone else?
I no longer have the physical card as I threw it right away 2 years ago….
I've had the same with Amex. Their explanation when I queried it is as that they look at your purchase history and if you have previously bought from the store, it allows the purchase. A new store is blocked. This allows smoother transition to the new card as you may have subscriptions that you may not have moved across.
Personally, I would prefer everything to stop working on the old card. Inability to cancel a subscription might have been the reason I cancelled my card in the first place.
The staff told me a canclled card may be used in 'emergency case'……..I think they don't know the real rules…anyway for a card cancelled 2 years ago, it is really strange to see it get activated again
That's just a weird response. How would Amex know if a Coles purchase was an "emergency use" scenario?
A credit card even when manually cancelled usually are still usable to the expiration on the card unless the card was cancelled due to fraudulent use previously.
That seems like a contradiction. Cancelled should mean unusable.
Are they low value transactions? Small possibility they were processed offline and below the floor limit.
yeah around 10-30aud
This shouldn't happen, same with locked cards. Otherwise what is the point?
Many banks leave "cancelled" cards as usable. As soon as you use a cancelled card, it automatically reactivates. Many for set periods e.g. 3 months then it's properly cancelled.
Very common and not unusual at all.
Banks will tell you it's to stop you missing payments on things like utilities with direct debits. But really it's just a mechanism to try to keep your business.
Yes, I had this with a Citibank card that I tried to cancel several years ago.
I had two or three places that kept taking direct debits for months afterwards, it was a nightmare trying to shut it down. Finally I stopped all the direct debits but Citibank still kept the card active because it earned cashbacks and there was $10 credit on it. I got monthly statements posted to me for 4 years and then they said they were shutting the account down and sending me a cheque for the balance.
The cheque bounced…
Anyway, this really isn't the way you want it to work, you might be trying to cancel the card to stop unwanted or rogue direct debits. It's like Hotel California:
"You can check out any time you like
But you can never leave!"
Zeggie below has the answer.
Just say your wallet/purse was stolen each time you request a new card. Simple.
Eastlink is still debiting my expired Amex. Lol. Couldn't be bothered updating the expiry date.
How did that person get hold of your card?
good question but I've no idea~~as I threw the card away long time ago.
maybe data leak
Are you sure you had cancelled cards?