Credit Card Declined-How To Protect Yourself

[Call me bubba]

news you can use on CREDIT CARD DECLINED

 

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1. Unusual activity

 

If you usually use your credit card once a week and then use it multiple times in a day, make a much larger than normal purchase,

or check out at the same store more than once in a brief period of time, your bank may decline a purchase as a possible stolen card or fraud risk.

 

To avoid this, call your bank before you make a large purchase. Also, make sure they have your cellphone number. Some banks will call you before or immediately after declining a card because of unusual activity. You might get the whole mess cleared up at the checkout counter if the bank can reach you.

 

2. Over the daily spending limit

 

Issuers place a daily spending limit on credit and debit cards. If you go over the limit, your card will be declined, even if you have plenty of credit available to cover the purchase.

Know your daily limit. You can find the information on your bank's website or by calling the credit department directly.

3. Outdated personal information

 

In some scenarios – like at the gas pump – you have to enter your ZIP code before you make a purchase. Put in the wrong information and your card will be declined.

Make sure the card company has your current billing address and telephone number. If you move, get on the phone or your bank's website and update your information as soon as possible.

 

4. There's a hold on your account

 

If you rent a car, book a hotel room, or rent a U-Haul, the company you're doing business with will estimate how much you might end up spending and put a temporary hold on your card. For example, your hotel might put a hold for a three-night stay plus incidental purchases like the mini-bar. A temporary hold lowers your available credit and can trigger an over-the-limit problem.

When you're paying at the end of a service or stay, ask in advance if there will be a hold, and if so, for how much. Then mentally deduct that amount from your card's available balance. And always carry a backup card just in case.

 

5. INTERNATIONAL: PURCHASES International purchases

 

If you take your card overseas, you run the risk of it being declined. Many lenders automatically decline out-of-country purchases as potential fraud.

Before you leave home, call your card issuer and describe your travel plans. Carry a backup card, and also a debit card to access cash at ATMs. Make sure the issuers of those cards have also been notified that you're traveling overseas.

 

6. Your card expired

If your card has gone past the expiration date listed on the front, you won't be able to make purchases.

Keep track of when your cards will expire and start looking for the replacement in the mail several weeks in advance. If you haven't received an updated card two weeks before a card expires, call and ask for one.

 

7. You entered the wrong info online

Your card is valid, you're under your spending limit, but you can't make purchases online.

Before you panic, double-check the credit card information you provided on the website. Even one wrong number in your ZIP code is enough to get your purchase declined. Correcting the information on the checkout page is typically enough to fix the problem, but be careful. Multiple incorrect attempts are a red flag, and your card might be deactivated entirely.

 

 

 

 

http://www.mainstreet.com/article/moneyinvesting/credit/debt/7-reasons-your-card-was-declined-and-what-you-can-do-about-it

Edited July 27, 2013 by Pittman apartments Sgn

[Bruce]

Yes, my card will be declined every time I try to make a ticket purchase on PAL to fly to Manila. I have to call the company and tell them I will be making a ticket purchase in the $1200 range. Then no issues.

[GregZ]

Carry a backup card, and also a debit card to access cash at ATMs.

 

Good for the Philippines but if you take a trip outside the RP to reset your visa time be aware that other countries may be different.  Example: ATM cards issued in the USA do NOT work in Hong Kong.  They do not exchange pesos at the money changers either; at least not the ones I tried.  In Hong Kong I carry US dollars for backup and whatever HK dollars I need plus my credit cards work there.  Notify bank of Hong Kong travel of course.

Edited July 27, 2013 by GregZ

[Jollygoodfellow]

Example: ATM cards issued in the USA do NOT work in Hong Kong. 

 

If you have like a debit card with the visa,mastercard logo I'm sure they will work anywhere if the ATM has the Maestro sign or visa. Plain old bank issued cards won't.