7 reasons why your credit card might fall – and how to fix them

There is always an explanation for credit card transactions rejected. One rejected credit card transactions are those frustrating troubles seem the most difficult times to come. This may happen, just as you check out a lively shops, pay for dinner at a restaurant, or want to book tickets limited discount deals.

It is impossible to ensure that your credit card will never be denied. However, by rejecting all understand the reasons behind the deal, we can minimize the likelihood of it happening to you, and to solve it immediately, if it.

1. You hit your credit card’s credit limit

If you try to exceed your credit limit will result in a credit card transaction, two things will happen:

• Your bank will reject the transaction.
• Your card issuer will allow the transaction and charge your over-limit fees.

You do not want your card is rejected, but you do not want to pay for unnecessary credit card fees. In addition, when you use too much available credit – such as regular apricot your card – it can negatively affect your credit score

In order to solve this problem, you need to repay the balance on your card. And how close you are more aware of available credit in the future. You can also ask the issuer to increase your credit limit.

2. You enter an incorrect card information

When you use a credit card to shop online, it is easy to slip and enter incorrect information. Your card may be because Dongfang Electric INED with any of the following error:

• Credit card number
• Expiration date
• CVV Code
• Billing address (which is typical payment processor checks the billing zip code)

You can capture quick review and correct these errors with all card information.

3. Memory card is locked

Lock feature many popular credit card offers, you can use it to temporarily shut down the card. If you lose your card and make sure you look for it no one else can use itThis is a useful safety feature. Once the card is locked and can not be used until you unlock any transaction.

If you are fortunate enough to find your card, you need to make sure before you unlock you start using it.

4. Credit card companies marked transaction, potential fraud

Your credit card company may sign the transaction is outside the normal consumption patterns of potential fraud. Common examples include transaction is from a different location than your normal consumption and trade much like other states or countries.

Marked decline in trading is usually automatic, credit card companies will contact you by email, phone or text messaging to ask, if the transaction is legitimate.

Deal with all you need to do, which is to respond to the phone number on the back of your card to your issuing bank or contacts and let them know that the transaction is legitimate. After that, you can try transacti again, it should be handled properly.

5. The card has expired

If your credit card expires, you should automatically receive a new one. However, if you do not receive a start or you just forgot to carry it, and then you will see your credit card after the due date of refusal to deal.

You can not use an expired credit card, so you “will need to get a new one. If you have not received your e-mail, please check your card-issuing bank documents, and contact them to apply for a new card the correct mailing address.

6. Credit card companies shut down their cards

Although it is usually the consumer who is close to the credit card, the credit card company the right at any time to do so some of the typical reasons retention., Credit card companies will cancel the card include:

• Card is no longer valid

Part of the cardholder credit card company suspected of fraudulent activity

Believe that the credit card company, cardholder trying to game rewards program to earn more points / cash back.

If your credit card company decides to do this, you will receive notice in the mail, letter and may include a phone number, can dial called for the cancellation. it may be hard to convince the overthrow of issuing this decision, but it is worth it, if you want to keep this card,A lens.

7. There In some cases, the problem is not a problem with you or your credit card company and payment processing businesses, but with payment processor. This is more likely if you’re trying to deal with international business. In some cases, these businesses can not process credit card transactions from the United States.

A sign that the problem is with the payment processor is not on your card transaction has not been completed. You can confirm your online account or by your card-issuing bank contact.

Unfortunately, this problem may be difficult to solve your end. You need to contact the merchant to see if they can handle the transaction for you or correction method of their payment processing issues.

Make sure your transaction is approved refusal to deal is a hassle, but the good news is that most are easy to avoid or correct. If your card is in good standing, unlock, and has a Y plent of available credit, then you avoid problems that may arise.