business card

[dowhatyouwant]

My husband was trying to book an accomodation in Sweden by business card as he works in Sweden as a contractor.
The transaction was over 1300 pounds and the card was declined because the bank automatically locks the card when it is a large amount of money as a protection against fraud. So he had to call the fraud department to prove it was him and release the lock.

He experienced this before and was extremely frausted in Natwest stopping him making a payment for any lump sum money. He pay in advance by card and claim from the company he works for. He says it shouldnt happend in business card and doesnt help his business so he would have to move to other bank if this keeps happening. I asked the bank if they can take off the automatic lock but they cant.

Does this happend with business cards in other bank as well?

Not sure about business cards but I've had it happen with a private card. Two years running I paid the deposit for a holiday and the holiday company was declined by the card's fraud team when they tried to collect the balance a few months later. The second year I'd even called the card provider in advance to tell them they would be getting a request for a specific amount on a specific date and they were not to turn it down. Still happened. I just changed cards... problem solved.

I have a Natwest Business Credit card which has a limit of £5000, I know of someone else who has a limit of £150,000. If the card is in his name he needs to talk to them as the card holder then they maybe able to help. It may be worth talking directly to his Natwest relationship manager rather than a faceless call centre which I find the most successful route.
I do call any credit card company to pre - warn them if I am going to put a particularly large transaction on the card and this prevents blocks being put on.