Common reasons for declined credit card transactions
Incorrect or locked PIN
If you enter the wrong PIN multiple times or your PIN is locked, your transaction may be declined at the point of sale.
Information verification mismatch
Online purchases may be declined if the information you provide, such as your address or card details, doesn’t match the information we have.
Not enough available credit or overlimit
Your online or in-store transaction can be declined if you don’t have enough available credit or have exceeded your card’s limit.
Real-time fraud alerts
Our fraud monitoring system may decline online or in-store transactions that appear suspicious or out of your normal spending pattern.
Activate new or replacement credit card
If you’re using a new or replacement credit card, ensure it’s activated before making purchases online or in-store.
Expired credit card
Your online or in-store transactions may be declined if your card has passed its expiry date.
