To prevent your card from being declined, try to: How to help prevent your credit card from being declined If your account is put on hold but you actually made the purchases, call your issuer and explain so you'll have access to your credit again. Sometimes this can happen on legitimate purchases. If your card company thinks that recent purchases look unlikely to have been made by you, they'll freeze your card due to the potential of fraudulent activity. You may be able to regain use of your card through a payment plan. If you're unable to pay the amount, explain your situation. If you miss a payment, call the credit card company and try to pay it as fast as you can. You're late on paymentsīeing late on payments can hurt your credit and your credit card may be canceled by the issuer. If you're an authorized user and the primary cardmember removes you from the account or reports their card as lost/stolen, you'll lose the ability to use your card. Your card was deactivated by the primary cardmember Try to make sure that your credit limit is high enough to handle these types of holds. It's possible for a hold to stay on your card even after you've paid your balance. Rental car companies, hotels and other merchants may put a hold on your card in order to ensure that your credit card doesn't get declined once they submit the final charge. If you make a single error on any of these fields your transaction may be declined. Online merchants will ask you to type in your credit card account number, expiration date, CVV and address. If you're entering your credit card information and you make a typo, you'll find that your transaction is declined. If you can, always travel with at least two types of credit cards. For example, if you're traveling you might find that most merchants in the country you're visiting refuse to accept a type of credit card that's commonly accepted in the United States. Not all credit cards are universally accepted.
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