![]() When things don’t go according to plan, it’s easy to get flustered and uncomfortable. Sometimes this happens by mistake but you’ll need to contact your issuer to resolve the issue. To avoid your account closing without your knowledge, set up the card to auto-pay one or two regular purchases, like a streaming subscription or your phone bill, and then pay off the card in full every month. Issuers can close inactive accounts, or accounts that haven’t been used in a set amount of months or years. ![]() If you’re trying to use a card you haven’t used in awhile and the card gets declined, there’s a chance your account was closed without your knowledge. Good standing gives you the chance to use your card as you see fit, so falling behind on payments could hold you back. Even if you haven’t reached your limit, you’re required to make at least the minimum monthly payment so your card stays in good standing. If you fall behind on payments or you’re notoriously late on making payments, your credit card issuer could freeze your account, prohibiting you from making any more purchases. If you already have plans to make a very large purchase and don’t want to experience any setbacks during checkout, you might want to give your credit card company a head’s up that you intend to make the purchase. If you’re trying to make a large credit card purchase of a kind that you’ve never made before, your issuer could flag it as potential fraud and decline the purchase. One good thing about transaction history is that it tells your issuer what you regularly purchase. But giving notice to your credit card company means you don’t have to experience a declined credit card when traveling. This isn’t required by all credit card companies and in many cases, is only a suggestion. This lets them know that the purchases made in that area are, in fact, by you, and aren’t fraudulent. Some credit card companies require you to tell them when you’re traveling, whether that’s to another state or another country. Activate your card now so when you’re ready to use it, you don’t get declined. There’s usually a sticker on the card that includes directions, like a number to call or a website to go to. Check to see how to do this when you get your new card. Any time you get a new card, you’re required to activate it. Not activating your new card will also result in a declined transaction. Even if it hasn’t expired, your old card will deactivate after a certain amount of time has passed, prohibiting you from using it. This also happens if you’ve received a new card in place of an old one and your old one deactivates. Your card is expiredĬredit cards have an expiration date and if you attempt to use a card after it's expired, it’ll get declined. This can cause your score to drop and hurt your chances of increasing your credit limit in the future. The higher your credit usage, and if you carry a balance from month to month, the riskier you look to your credit card company. This shows credit bureaus you’re not maxing out your credit limits, and it shows your issuer that you’re responsible with credit. A good rule is to keep utilization at 30% or lower. To avoid this, keep tabs on your limit and spending for that card. That means after you make a few purchases, you might hit your limit fast. If you’re new to the credit card game or have a secured credit card, you might have a low limit compared to someone who has had the same credit card for many years. ![]() If you have a virtual wallet, see if the retailer allows you to check out with things like Apple Pay so you don’t have to provide all of these details again. This may happen more with online purchases, especially if you have to manually enter your credit card information.īefore hitting the final purchase button, review your credit card details, including the card number, your mailing address, authorization code, and any other information. Sometimes when you enter your credit card details, you might inadvertently mess up a few of the numbers. Most common reasons your credit card is declined 1. Here are some of the most common causes for your card being declined and what you can do about it. Before you get frustrated and upset, remember that your card didn’t get approved for a reason. Sometimes, no matter how careful you are, your credit card may be declined. Only instead of getting the typical “approved” message, the cashier tells you the card was declined. They tell you the total and you tap your card. You’ve loaded up all your groceries onto the belt and the cashier has finished scanning them. ![]()
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