When you check into a hotel or rent a car, or if a restaurant or other business asks for your card ahead of time, askĢ. Take these steps to reduce the inconvenience:ġ.

If you’re near your credit limit or you have a low balance in your bank account when a block is placed, your card could be declined if you want to use it for something else before the block is lifted. This reduces the amount of credit or cash available in your account. What can I do to avoid blocking?īusinesses use blocks to make sure you have enough money to pay your bill. If possible, carry an extra card as a back-up in case the first card is declined. Even if you do these things, it’s possible your card could be declined because of a block or hold on it. Do the same if you’re going to use your card for a large or unusual purchase. Before traveling, contact your bank or credit union to let them know you’ll be out of town. 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. These alerts can let you know about some possible problems before your card is declined. If your bank or credit union offers alerts to flag fraud on your account, sign up. If the balance on your bank account is too low, or you get close to or go over your credit card’s credit limit, your card may be declined. Keep track of spending, your account balance, or how close you are to your card’s credit limit - the maximum amount of credit you’re approved for. If the card is getting close to the expiration date, and you haven’t gotten your replacement, call your bank or credit union to track it down. Generally, your bank or credit union will send you a replacement card before the card expires. Keep track of your account and know when your card expires. Can I reduce the chances that my card will be declined? If it takes time to resolve any issues with your card, you might be able to pay that charge with another form of payment, if you have one. They may be able to tell you what the issue is and how to fix it. If there’s still a problem, contact the customer service number for the bank or credit union that gave you the card. Can I reduce the chances that my card will be declined?įirst, and obviously, check that you entered your information accurately.What should I do if my card is declined?.

Identity Theft and Online Security Show/hide Identity Theft and Online Security menu items.

Unwanted Calls, Emails, and Texts Show/hide Unwanted Calls, Emails, and Texts menu items.

Money-Making Opportunities and Investments.

Jobs and Making Money Show/hide Jobs and Making Money menu items.Credit, Loans, and Debt Show/hide Credit, Loans, and Debt menu items.Shopping and Donating Show/hide Shopping and Donating menu items.

My debit card number wont work