Credit card declined. What to do?

Was your credit card declined? Are you wondering why it was? If so, then this article is for you: we’ve gathered all the common reasons for credit card decline as well as popular credit card decline error messages. So, see what reasons might lie behind the problem.

Hard and soft declines

There are two types of credit card declines: soft and hard.

Soft declines take place when the issuing bank approved your transaction, but somewhere along the way the operation fails. In this case, a simple retry can help you do the trick.

On the other hand, hard declines can be a real pain in the neck, as they occur when the issuing bank declines a transaction for one of the many reasons. A retry attempt won’t help you achieve the desired result.

In this article, we will explore why hard declines occur and how to deal with them.

Credit card declined. What to do?

  1. Be calm.
    If you are trying to purchase something in-store when this happens, don’t blame the salesperson for this inconvenience. After all, it is not his or her fault. See if you can repeat the transaction a bit later once you figure out the issue with your credit card.
  2. Get in touch with your issuing bank.
    It is better to solve the problem right away with the issuing bank. So, call them, be ready to answer several security questions and see what you can do to resolve the situation.
  3. Use alternative payment methods.
    Think of a different way to pay for goods and services. By the way, we will talk about alternative payment methods more in the next article. So, stay tuned!

These are the steps you should take whenever your credit card gets declined. We hope this information helped you resolve the situation!

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