KNOWLEDGE BASE

Why was my credit card declined?

We know you want to find out right away why your card didn't work. Please read on:

General decline reasons:
Please be aware if any of the following circumstances apply, your card can also decline.

  • Check to see if your transaction exceeds the credit available. 
  • Possible magnetic strip damage (in this case, you'll need a new card).
  • Card has not been activated.
  • A hold has been placed on your account. 
  • Transactions in the following countries due to current sanctions:
    • Cuba
    • Iran
    • Syria
    • North Korea
    • Crimea Region of Ukraine
*This is because we're required to restrict access or transactions of any customer located in a country subject to sanctions.

Specific decline reasons:
We'll need to review your account in detail to determine the specific reason why a charge was declined. Please call us to speak to a representative for detailed information.

  • Credit cards: 800-285-8585
  • Debit/ATM cards: 800-USBANKS(872-2657)
  • We accept relay calls.