Scotiabank Visa Problems

Today I became extremely frustrated with Scotiabank and Visa. The problem stemmed from the fact that I was trying to buy a large liquor order (for the club) from our local liquor store. The card (which was not anywhere close to being over its limit) was declined and the machine suggested that the clerk needed to call Visa to obtain authorization for the transaction.

The problem was that this was the fourth time in three weeks that this has happened. Each time, it took half an hour on the phone, several transfers to other departments (about five), and a lot of explaining from me as to why I spend several thousand dollars per week on booze. It apparently doesn't matter that I have been running the club for about fifteen years, that I always buy my alcohol from the same merchant, and that I have had my Visa (a gold card) even longer than that. And apparently it doesn't matter that I keep doing the same thing, week after week.

Today's "customer service" rep suggested that I should go down to my local bank branch and get them to "put a VIP flag" on my card. When I replied that I had been told the same thing each of the last two weeks, and had done exactly as suggested with no apparent success, the telephone representative was less than forgiving. I refused to go back down to my branch for a third time, so I made a suggestion at this point myself, something along the lines of indicating my willingness to cut up my card and switch to a Bank of Montreal mastercard.

Perhaps the allure of talking to a man who spends $150,000 per year on alcohol tempered her subsequent reactions, because after I gave her the phone number of my branch and a couple names of people to talk to there, she said that she'd see what she could do.

Don't get me wrong, I'm happy that they have security procedures in place so that if someone steals my card, they aren't likely to be able to rack up a whole lot of purchases on my account. However, I'm curious to see what will happen next time I try to ring through a pallet of beer. I am fully confident that it will be declined, and the liquor store clerks will immediately go postal on the debit machine.