Unusual CBA Amex decline | Australian Frequent Flyer
Australian Frequent Flyer

Welcome to Australia's leading independent Frequent Flyer and Travel Resource since 1998!
Our site contains tons of information that will improve your travel experience.

Joining AFF is fast, simple & absolutely free - register now and take immediate advantage of these great BENEFITS.

Once registered, this box will disappear. And you will see fewer advertisements :)

Unusual CBA Amex decline

lowan74

Intern
Joined
Dec 4, 2009
Messages
51
Hello,

I wanted to share an experience of an unusual "declined" transaction and see if anyone else had experienced similar issues.

I recently received a CBA Amex Platinum card (to enjoy the fee free overseas transactions with the points, and to avoid any DCC worries that have previously affected my visa and mc transactions), and have had successful transactions so far in AUD, USD and Chinese RMB.

This afternoon I went to check into a hotel (Shangri La hotel, Baotou, China) and when doing the pre-auth the only response their terminal could receive was declined (it was for RMB 2000). I wanted to ensure that it wasn't an Amex acceptance issue (as can be common in China), so I checked in using my Amex issued Amex card and it went through with no issues.

Tonight I called CBA and asked why the transaction was declined, and they stated that it had never hit their account for approval, and had not been declined by them, which I believe.

My question to members of this board is do you know if there is anything fundamentally different between the way a bank issued amex card would be processed compared to and Amex issued card, which would cause this problem when the cards are submitted through authorisation through the same terminal? Keen to get any thoughts and insight here..

Thanks

Matt
 

N860CR

Established Member
AFF Supporter
Joined
Nov 30, 2004
Messages
3,358
Had this same issue with the Hilton in Helsinki and Helsinki airport. CBA sees the transaction as OK, however the merchant says "declined". CBA claim it means the merchant software is out of date.

My thoughts reflect yours, that it's an issue with the bank issued Amex.
 

lowan74

Intern
Joined
Dec 4, 2009
Messages
51
Had this same issue with the Hilton in Helsinki and Helsinki airport. CBA sees the transaction as OK, however the merchant says "declined". CBA claim it means the merchant software is out of date.

My thoughts reflect yours, that it's an issue with the bank issued Amex.
I've done some more trials over the past week (all in Chinese RMB) and found the following with the CBA card..

When the terminal prompts for a PIN, if I enter the pin the card automatically declines (and it never seems to hit my account or the back records even as an attempted transaction). If I just press the enter/green button on the terminal (without entering a PIN) then the transaction goes through correctly.

Very strange, not sure if it is a Chinese banking quirk, but I am now successfully enjoying use of the card in larger businesses in China.
 

Recent Posts

AFF on Air Podcast

  • Summer in Europe – AIR021
    Sat, 05 Oct 2019 17:28:53 AEST
      Qantas and Virgin Australia are fighting over two rare and lucrative new landing slots for Tokyo's Haneda Airport. Meanwhile, four European airlines have gone bankrupt in ...
  • Are Loyalty Programs a Scam? – AIR020
    Sat, 21 Sep 2019 08:36:18 AEST
      The ACCC recently released a damning draft report into Australian loyalty schemes, calling out practices that it says may shock consumers and putting loyalty program opera ...
  • Air Chathams – AIR019
    Sat, 07 Sep 2019 16:41:06 AEST
      With less than two weeks until the upcoming Qantas Frequent Flyer changes, now is the time to make any last-minute Classic Flight Reward bookings! In this episode, Matt ch ...
  • Project Sunrise – AIR018
    Sat, 24 Aug 2019 16:12:31 AEST
      Later this year, Qantas will decide which aircraft it will use to operate non-stop flights from the east coast of Australia to London and New York - a feat it aims to achi ...
  • Choosing a Rewards Program – AIR017
    Sat, 10 Aug 2019 13:32:24 AEST
      If you're new to the world of frequent flyer points - or moving to a new country - it can be difficult to know where to start. In this episode, Matt discusses the consider ...

Community Statistics

Threads
83,235
Messages
1,932,679
Members
50,859
Latest member
oliver_adl
Top