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Why Credit Cards Get Declined?

My Credit Card Got Declined…Why?

There are a number of reasons that a credit card is declined. Surprisingly, many credit cards decline for many different reasons other than insufficient funds. Many things that are out of your control lead to a credit card declining. Whatever the reason, a declined credit card is not the end of the world. Credit card declining can happen to anyone.

Reasons Why a Credit Card Is Declined

As stated previously, there are many reasons why a credit card gets declined. Here are a few of the reasons.

· The credit card is expired. It is easy to put aside the new card that comes in the mail and continue to use the old one. The old credit card is not the same as the new one. It may not make sense to some people that the credit card declines, but credit card companies provide customers with the same credit card number with a different security code.

· The card has insufficient funds available. If customers make a purchase over the amount available on the card, the credit card will decline. Customers will have to find a new method to pay for transactions.

· There were technical problems that were out of the control of the credit card company. Technical issues can cause problems for credit card users. The issues are usually caught early on, and the companies take care of the issues as quickly as possible.

· Customers make a large number of purchases in a short amount of time. Credit card companies see this is a possible sign that a customer’s credit card is lost or stolen. The card declines to prevent unauthorized transactions. This has actually happened to me before while making a large number of purchases at Walmart.

· The credit card information is entered incorrectly. It is easy for customers to incorrectly type in the credit card number, address, security code, or other personal information during online transactions. Repeatedly entering incorrect information may also lock out the credit card user for a certain amount of time, or the customer may be prompted to contact a customer service representative at the credit card company.

Tips from Preventing Your Credit Card from Being Declined

Double Check Entry of Personal Information

Online transactions are easy to get incorrect. It is common to mismatch numbers or leave off a number during a transaction of this type. Check to make sure that everything entered is accurate.

Check Available Credit Before Use

It may be a good idea to call the customer service number of the back of the credit card before each use. The balance on credit card bills do not reflect transactions made after the credit card company prints the statement and mails it to the customer. Checking balance before use prevents cardholders from going over the limit, causing the credit card to decline.

Monitor Transactions

Do not make too many purchases in a short amount of time because the credit card company may suspect fraud.

Check Expiration Date

Old credit cards should be destroyed as soon as the new card arrives. Once the new card is activated, make sure that the old card is disposed of properly.

Follow these tips to prevent your credit card from declining. Always use your credit card responsibly to ensure that this card does not decline. Use these helpful tips to get around credit card declines.

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