Credit card payment declined

[nbaloach]

On 22-11-2014 (Friday evening), CIO tried to charge my credit card, but could not succeed due to security protocols put in place, by the bank on foreign transactions. only one attempt was made by CIO. On 24-11-2014 (Monday morning), I requested my bank to remove the protocols, which they did.

Since first attempt, no further attempt has been by CIO, although i send an email to them explaining the situation. four working days have elapsed without any response.

Could seniors guide what would happen next and what else i can do ?

 

[iamdare]

Hello Nbaloach.

Sorry to break it to you but it is likely your application will be returned because according to the experience of people that had similar issues, CIC likely won't make an attempt on your card again.

Your instruction to the bank should have been before CIC's attempt and not after. My advice is for you to take lesson learnt and still hope for the best. You are also now in a position to help others not make the same mistake.

I also hope CIC reads your email on time before they initiate a return process.

If your NOC is not one of the very hot ones, then you can still resend your application.

 

[mwrooney]

On 22-11-2014 (Friday evening), CIO tried to charge my credit card, but could not succeed due to security protocols put in place, by the bank on foreign transactions. only one attempt was made by CIO. On 24-11-2014 (Monday morning), I requested my bank to remove the protocols, which they did.

Since first attempt, no further attempt has been by CIO, although i send an email to them explaining the situation. four working days have elapsed without any response.

Could seniors guide what would happen next and what else i can do ?

As what I have learnt from this forum, CIC make 3 attempts to Charge from Credit Card. It's good you followed up quickly. By the grace of God, you will be fine.

I have read by myself, that there is a member on this forum who told us that CIC attempted 2 times to charge but transaction failed both times. Forum people advised him to call bank and he did and CIC made 3rd attempt and have been charged.

All the best!

 

[iamdare]

@mwrooney I'm really glad to hear that.

@nbaloach Good news for you. Wish you the best in your application.

 

[Hab2814]

Hello!
I am also on the same situation now.CIC attempted to charge on my credit card on 19-11-14 but was unsuccessful due to insufficient fund. I immediately contacted my bank and arranged with them, now it is okay. I tried to contact CIC by any means through email and call but I was not able to reach them. I have read a lot from this forum that CIC attempts to charge until three times. I am now very worried because its been a week since they first charges but didnt charge again. I am still hopeful that they will try for the second time.
Anyone in the same situation as mine, please share your experiences.

Thank You!

 

[nbaloach]

Still no luck even after lapse of 5 working days. No further attempt by CIC to charge the credit card.

 

[nbaloach]

By the grace of God almighty, my card has been charged on 8-12-2014 after waiting for 14 days. ;D

 

[adamsands25]

By the grace of God almighty, my card has been charged on 8-12-2014 after waiting for 14 days. ;D

Thats good to hear. All the best for future.