So, being proactive and wanting to save on fees, I signed up for and received a Capital One card to use to book my train tickets and other purchases while in Europe. Also being proactive, I called Capital One yesterday to notify them that I'd be making charges online these next few weeks while I buy train tickets, hoping to avoid having my account frozen.
So, as you can guess, not all went well! Went on the French SNCF site to book our first train leg and entered my Capital One info. Submitted for payment and was told the bank declined the transaction. So, figured it was flagged as fraud (grrr...) and called Capital One.
Talked to Fraud Division and it was declined as possible fraud. She authorized me to use the card again (1st transaction didn't go through) so while on the phone with her, tried again. Same result, though this time no record of the transaction showed up and the rep was unable to help any further with how to resolve the issue. Waited an hour, tried transaction again, and still nothing. Now completely frustrated!
Ended up having to use another credit card (called them prior to transaction) and worked smoothly. Unfortunately, had to pay 3% foreign transaction fee.
Anyone have this problem before? I've e-mailed SNCF to see if they've blocked the number on their end, but since it's midnight there, no response. Needless to say, a bit irritated with Capital One. Any suggestions appreciated!