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Anonymous Posted 20 years ago
Vocabulary

Credit Card



Hello everybody,

I would like your opinion on which words are better suited to use in the following situations:

Situation 1. I have phoned my credit card company to report my credit card stolen/lost/PIN number compromised/whatever/etc. What would you say happens as a result of that to:

  1. my credit card: the credit card is blocked/frozen/put on hold/has a hold on it/deactivated/cancelled/annulled/locked (please enter your own suggestions if any)

  2. my credit card account: the credit card account is blocked/frozen/put on hold/has a hold on it/deactivated/cancelled/annulled/locked (please enter your own suggestions if any)
Situation 2. I have checked into a hotel or rented a car and they swiped my card and blocked $500. Again, what would you say happened to my credit card and my credit card account (the choices are the same as above).

Which words would you say are used by laymen and which by banking professionals. I am also interested if there are regional differences, i.e.: British usage vs. American vs. Canadian vs. Australian

Thank you very much for your input.
  

Top answer

Are you trying to ask what you say to the company when you call, or what the result will be? In Situation 2, I believe I've heard it said that "a hold" has been placed on your card. If you have a low credit limit, by "holding" that much for themselves, the hotel ensures that amount is available to them so other vendors can't use that money.

— BarbaraPA

  • Are you trying to ask what you say to the company when you call, or what the result will be?
  • In Situation 2, I believe I've heard it said that "a hold" has been placed on your card.
  • If you have a low credit limit, by "holding" that much for themselves, the hotel ensures that amount is available to them so other vendors can't use that money.
  • Otherwise, it could be possible that when you go to check out and they want to charge your card for the amont of you stay, you could have reached your limit and they would not have any funds available to pay for your stay.
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6 Answers
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I don't quite understand what you mean in Situation 1.If your card is stolen, that's very different than having a hold on it.Are you trying to ask what you say to the company when you call, or what the result will be?

In Situation 2, I believe I've heard it said that "a hold" has been placed on your card. If you have a low credit limit, by "holding" that much for themselves, the hotel ens
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Thank you for your reply, Grammar Geek. I do understand the difference between having a card stolen and having a hold on it. I also understand what putting a hold on a card means. What I am asking is to indicate which of the suggested words (perhaps you could add to my list as well) will be more appropriate in these two very different situations.

For example, in Situation 1, is
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I think I would say that the card was deactivated, and the account was frozen. I have no idea what terms the credit card company would use.
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Thank you.

I would love to have input from other members of this forum. All opinions will be greatly appreciated.
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This is just my personal take but

Situation 1. I have phoned my credit card company to report my credit card stolen/lost/PIN number compromised/whatever/etc. What would you say happens as a result of that to:

  1. my credit card: the credit card is cancelled/
  2. my credit card account: the credit card account is frozen


    1. Situati
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This is just my personal take but

Situation 1. I have phoned my credit card company to report my credit card stolen/lost/PIN number compromised/whatever/etc. What would you say happens as a result of that to:

  1. my credit card: the credit card is cancelled/
  2. my credit card account: the credit card account is frozen


    1. Situati
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