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Surprise! The sales clerk at the grocery store informs you that your credit card has been declined. We’ve all been there; point-of-sale declines are a pain and embarrassing. The good news is that strategic efforts are in the works to help improve the customer experience when those declines are potentially caused by credit and debit card fraud.
"We continue to work to get ahead of the next fraud scheme so we can reduce or eliminate the impact on our customers," said Todd Rosenthal, head of credit card product management at PNC.
One of our top priorities is mitigating fraud, including using analytics to focus on reducing fraud while creating a positive buying experience.
Certain red flags may lead to a credit or debit card decline:
"It can create a negative experience when a customer uses their card and it is declined for possible fraudulent activity," said Rosenthal. "We want people to feel confident and comfortable that PNC is protecting them and not be frustrated by service interruptions."
"The improvements we've made over the past few years have significantly improved the customer experience at the point of sale for both credit and debit cardholders," said Rosenthal. “Our improvements on the back end mean fewer worries and better protection for our cardholders.”
Here are a few enhancements PNC has made to help you minimize your risk of a point-of-sale decline:
Learn more about how you can protect yourself from fraud at pnc.com/security »
These best practices and tips can help prevent fraud on your account:
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These articles are for general information purposes only and are not intended to provide legal, tax, accounting or financial advice. PNC urges its customers to do independent research and to consult with financial and legal professionals before making any financial decisions.
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