Are there are cases where I've blocked my card but transactions are still approved?

Yes, there are some cases when this happens:

  • On-Us ATM Transactions
  • Recurring Transactions
  • If the Merchant chooses to approve the transaction and override the decline (issuer chargeback rights)
  • Transactions below a merchant's floor-limit
  • EMV offline-approved transactions if supported by the issuer's card product
  • Non-Visa networks that perform Stand-in Processing on behalf of the issuer processor
  • Non-real-time transactions