They may be able to tell you what the issue is and how to fix it. Try to have another form of payment available in case it takes time to resolve any issues with your card. Keeping track of your account can help. For instance, your bank or credit union will send you a replacement card before the card expires. Always activate it soon after you get it. Some banks or credit unions offer alerts to flag fraud on your account. Large purchases, charges from sellers in foreign countries, or activity that seems unusual may trigger the bank or credit union to lock down your account to avoid fraud.
You may want to carry an extra card as a back-up in case the first card is declined. Merchants use blocks to make sure you have enough money to pay your bill. This reduces the amount of credit or cash available in your account. You can take some steps to reduce the inconvenience. Otherwise, you should look to the merchant to work out a plan.
Give the business your contact information and ask if you can return later on with your payment. Stay calm and polite, and cooperate with the manager or business owner so you can find a viable solution for both parties. The first item on your to-do list after your card is declined should be calling your credit card issuer. Your issuer will be able to determine why you were unable to make the transaction and help you work out a solution to regain access to your credit line.
If it was a case of suspected fraud, you may be asked to verify previous purchases or your location to prove you are the account holder. Missed payments and closed accounts may be a bit more time-consuming to solve, but your issuer can help you explore options for repayment and bring your account back in good standing.
How We Make Money. Kendall Little. Written by. Kendall Little is a personal finance writer who previously covered credit card news and advice at Bankrate. Kendall currently is a staff writer for NextAdvisor. She is originally …. Edited By Mariah Ackary. Edited by. Mariah Ackary. Mariah Ackary is a personal finance writer who specializes in credit card rewards and small business credit. Mariah is a lifelong writer, but she began writing about finance in ….
Reviewed By Antonio Ruiz-Camacho. Reviewed by. Antonio Ruiz-Camacho. Antonio Ruiz-Camacho is senior director of content for CreditCards. He has more than 20 years of international experience leading content teams, …. Share this page. Bankrate Logo Why you can trust Bankrate. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to: Meet you wherever you are in your credit card journey to guide your information search and help you understand your options.
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Key Principles We value your trust. Bankrate Logo Insurance Disclosure. Anytime a credit card transaction fails, things can get uncomfortable. Read more From Kendall. Before joining Bankrate in August , Kendall worked in digital communications throughout various industries, including education, health care and television.
About our review board. You may also like What happens if you go over your credit card limit? Can you pay rent with a credit card?
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