![]() Once you make consistent payments, your issuer may restore regular card use. You will need to catch up on payments or set up a payment plan. They may do this by notifying you in writing, but it’s possible that the limit is lowered before you receive notice. Whatever the reason, if you get behind on a credit card payment, that issuer may limit your purchasing power. Or if finances are tight, you may be prioritizing certain bills. When life gets busy, it can be easy to overlook a payment. Due to this hold, you may not have sufficient available funds to complete the transaction at the time. If you recently stayed in a hotel or rented a car, that merchant may have placed a security hold on your credit card to cover the cost of possible damages. Note this may require that they pull your credit.Įven if you keep a relatively low balance on your card, you may be declined for being over the limit. If the card has a low balance and you have strong credit, you can contact the provider and ask that they re-evaluate your credit limit. If possible, you can make an early payment to reduce the balance and continue using that credit card. While some cards allow you to exceed your credit limit, other credit providers may decline the transaction. Over Your Credit Limitĭepending on your card, your purchase may be declined if you are already over your credit limit or if this transaction would put you over it. ![]() If your card issuer does not contact you, calling customer service may allow you to resolve the issue immediately by verifying your identity and intention to make the flagged purchase. Your card provider may call or text you to ask for purchase approval. You may also trigger a fraud warning if you are shopping out of the state or the country or if you’re using a card for the first time in a long while. If you are making a large purchase, especially one outside your normal shopping behavior, the transaction may be flagged for potential fraud. Work With the Card Provider To Resolve the Issue Suspected Fraud Regardless of the reason your card was declined, contacting your card provider can give you clarity on the issue so that you can make informed progress toward a resolution. In this case, your card provider may just need to verify your identity and authenticate your purchase. Often, your card is declined for your protection to prevent fraudulent purchases. The card provider may need to manually activate the card. If you recently activated your card and this is the first use, it is possible the activation process was not fully completed. There are a number of easily resolved reasons your card may have been declined. Contact Customer Serviceīefore your anxiety rises, contact the customer service phone number listed on the back of your card. If not, contact customer service to ask that a new card be sent to you. When you get home, check your mail to determine if a new card was received. At that moment, you will need to complete the purchase with a different method of payment. If your card is past the expiration date, it is no longer valid. Most people are not tuned into their upcoming card expiration dates, and it may have caught you by surprise. While this step may seem obvious, some credit card providers send renewal cards very close to the expiration date. If you received a replacement card or recently moved, you may need to update your card number or the billing information. Make sure you are using the zip code tied to your billing information. If you are using a card on file, double-check the card number and CVV security code against the actual card. Transposing numbers is an easy mistake to make. Review Your Card Info When Ordering Onlineĭouble check that all of your information was entered correctly. Let the cashier know if you plan to step out of line and try to resolve the issue immediately or if you will come back to complete the purchase later. If you have another means of payment, you may want to use it to complete your transaction. While it is frustrating and inconvenient, in many cases, your card may be declined for your protection. Remind yourself that many of the people around you have probably had the same experience. You or the cashier may feel added pressure depending on the length of the line behind you. There are a lot of dynamics that arise with a declined credit card.
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