There is something to the OPs frustrations, we have had similar issues, and what our bank told us is it has something to do with how the computers try to pre authorize transactions. Our local Pilot has the cheapest gas by a pretty wide margin. I have a couple times had my card declined, while my wife has it happen to her at least once a month if not more. Talking to the bank, it turns out the Pilot computer trys to make a $75 pre-authorization, (the limit at the pump) had the communication fail, and tried a second time. The bank computer then immediately shuts the card down. I think it happens to her more because of the time of day she gets gas vs. me (I usually get it about 5:30am) It is annoying because you have to then call customer service and turn it back on.