The story is bogus.
The credit card or debit card company has no idea what you are purchasing. They only know the total charges, the company processing the transaction and nothing more. The only way they would know what you purchased is if you disputed the charge and proved it to them by using the original invoice that you had in your possession as proof.
I own a company that utilizes both credit cards and debit card transactions and believe me, I am well aware of both the rules they go by and the rules I have to go by.
There is no way they can “pick and choose” what they will finance on a single purchase because they don’t know what you purchased to start with.
Now, with that in mind, let’s say you go to a gun store and buy some ammo....or....you go to Walmart and buy some milk, crackers and ammo. Even if they knew what you were buying...which I explain they don’t...if the funded Walmart purchases but not the gun store purchases, they would open themselves up to a huge discrimination suit.
Blow this one off folks.....it’s fantasy.
No true. Vendor accounts have coding that tells the card company what kind of store is being patronized. It is conceivable that a dedicated gun shop could be coded as such and could be blocked.
A good example of this in action is VISA debit cards tied to health savings accounts. The transaction will decline if you try to use it somewhere like Best Buy, etc.
As retailer, I do trade shows (gun shows), there is a problem. You can use your credit card/debit card to make purchases, but the PROCESSOR determine whether or not that payment gets processed through. If they are anti-gun, and you sell a gun or ammo, they CAN withold the payment for that transaction as a penalty for breaking the users agreement. The customer gets the product, but the retailer does not get paid. If you as a retailer fraudulently mark the purchase as something other than firearm or firearm associated, and the customer then makes a claim against you, then you have committed fraud, which is also covered in the agreement. I will only do business now with companies that use a 2nd Amendment friendly card PROCESSOR, and I do not use BOA or Chase Bank credit cards to make purchases. That’s just me..