Why was my credit or debit card declined?
Rest assured, we are not declining your transaction. When you enter your credit card number, and click "Place Your Order", we submit that card number to your card issuing bank - meaning the bank that gives you a credit card. Along with that card number, we submit all of the information you enter. Based upon that information, they either accept or decline our request to charge your card.
There are a number of reasons why your card company may have declined us when we tried to charge your card:
- Do you have the correct expiration date?
Occasionally the expiration date will be different than the date listed on the card.
- Do you have the billing address correct?
The billing address is where the credit card statement is mailed every month. If you're using a business card - it's usually business address. If you're an authorized user of someone's card - ask them what the billing address of the credit card is.
- Did you enter the "Verification Code" of the credit card correctly?
If the verification code is wrong, you will usually get declined.
- Do you have a "pre-set" spending limit for the card?
Usually if there's more than one user on a credit card account, the total purchases of both cards count against the maximum amount you can spend in a day.
- Does your credit card company know you make internet transactions?
Often times credit card companies will reject internet transactions because of the potential for fraud - you simply have to notify your credit card company that you wish to make an internet purchase and they'll enable your account.
- Is the amount of the transaction to much?
Because we are an internet-based company and your credit/debit card is not "physically" present during the transaction, your credit card company may limit the amount that we can charge your card.
- If you receive too many declines in a day, your card company may "lock" your card from being used - it's a preventative measure just in case your card is stolen.
What can I do now?
- The easiest thing to do is to triple-check the information you entered in our form with the list above and see if any match your situation. If so, correct any mistakes and try again.
- If that doesn't work you can CALL YOUR CREDIT CARD COMPANY and ask them why they declined us when we tried to charge your card. They have the ability to see everything that's going on with the transaction that are attempted using your card and they can tell you exactly why they declined us.
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