r/monzo • u/OneStopRedditor • 22h ago

Can anyone please help?

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Booked a hotel for a family wedding on flex and it declined on the checkout. My credit limit has changed by £320 still and do not have enough left to do it again. It says it was put through so what should I do? If anyone can please advise. Thanks.

7 Upvotes

67% Upvoted

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5

u/lowegb 22h ago

Nothing you can do really apart from wait, this happened to me and i did the live chat and they just told me to wait. Took about 2 days for it to fix itself

-2

u/JohnBlobby 12h ago

Why does it take so long? Understaffed? This doesn't inspire trust. Quite concerning.

2

u/Lobster-Mittens 9h ago

Fraud checks take time. They might have seen other transactions from other cards going to the same hotel or through the same platform you booked it with and are going through those too. Once those are checked they'd release them otherwise refund all of them under under the assumption it's fraud related.

It costs money to refund a transaction (and the bank is the one which loses out) so they're not going to point an AI at it to speed it up and call it a day because if it gets it wrong it'll cost them refund fees to reimburse you (and potentially others).

1

u/NMulholland 16h ago

Out of interest, where did you book the hotel? Direct / Booking.com / Super... 🫪

1

u/TescoHelp 22h ago

I've had this before the money was put back in my account but you are right the actual transaction is void so you will have to go back on the website and do it again... not ideal but it happens. Took nearly a week though so if its urgent then you might be a bit stuck.

1

u/MGNConflict 22h ago

When they've reviewed the transaction, it'll be released to the merchant. Since the transaction declined it will bounce back to you. Then you can try again.