There are several common reasons why a credit card might be declined. The reasons for such failure may simply be the use of a wrong card number or the card limit has been reached, etc. In other cases, the reasons are less obvious and may relate to the ever increasing fraud prevention and/or other security measures implemented by credit card companies to protect the cardholder against card abuse.
A list of common reasons why payments fail:
- Your credit card limit was reached (insufficient funds): Check your credit limit. You might have reached your daily or total credit card limit on the day you tried to charge your card. If this is the case, ask your credit card company to increase your limit.
- The charge exceeded the maximum amount allowed for a single charge: Check the maximum amount your card can be charged at a single time. If the declined charge is higher than this amount, ask your credit card company to increase the limit
- Your card reached the maximum number of charges allowed in a period: Check how many times your card can be charged in given time period. If you reached this amount, ask your bank to increase the limit, wait until your card can be charged again, or make a payment with a different payment method.
- Your card doesn't accept charges from an online source: Make sure your card allows online transactions. If it doesn't, talk to your credit card company about allowing these charges. Or use another card
- Your card doesn't allow international transactions: If you're making payments from abroad, make sure your card accepts international charges. If it doesn't, ask your bank to change this or use another card.
- Wrong expiration date: Review the expiration date on your credit card. If your card expired, use another card
- Wrong credit card number: You should get an error message indicating the card number is not valid. If not, carefully check the card number when filling out the form.