How to Help a Cardholder with Card Declines

What are the common reasons for card declines?

Card declines can be frustrating for cardholders. Here are some of the most frequent reasons why a card might be declined:

1. Insufficient funds: The cardholder may not have enough funds available in their account to cover the transaction amount.
2. Incorrect card details: The cardholder may have entered incorrect card information, such as the card number, expiry date, or CVV.
3. Card expired: The cardholder's card may have expired.
4. Technical issues: There may be temporary technical problems with the payment processor or the cardholder's bank.
5. Security flags: The transaction may have triggered security flags due to unusual activity or potential fraud.
6. Restricted card usage: The cardholder's card may have restrictions on certain types of transactions or merchants.
7. Merchant or transaction issues: The merchant may not accept the card type, or there may be issues with the transaction itself.

What should a cardholder do if their card is declined?

If a cardholder's card is declined, advise them to follow these steps:

1. Check their account balance: Ensure they have sufficient funds to cover the transaction.
2. Verify card details: Double-check that all card information is entered correctly.
3. Check card expiry date: Make sure the card is still valid.
4. Contact their bank: If the issue persists, the cardholder should contact their bank to inquire about any restrictions or issues with their card.
5. Try a different payment method: If possible, suggest using an alternative payment method, such as another card or a different payment platform.

7. How can a cardholder request a new card after cancellation?

After cancelling, cardholders can easily request a new card by:

1. Going back to the card management section in the app or portal.
2. Selecting the option to request a new card.