There are a few common reasons your credit card could be declined. Review the following list and if one is applicable, go to Next Steps at bottom of page to address the issue.
1. Incorrectly inputting information.
One of the most common reasons for a payment not going through, or being declined, is incorrectly inputting your credit card information. Be sure to double check that the information you have submitted matches what is present on your credit card.
2. Attempting to complete a large purchase.
Credit card issuers are constantly monitoring your transactions to establish a pattern of your typical purchases. If you do not normally use your credit card to buy larger ticket items, your credit card may be declined until you verify that it is you making the purchase.
3. You have reached your credit card limit.
If your balance begins to approach your credit card limit and you attempt to buy something that will cause your balance to exceed your limit, your credit card may be declined. Most credit card companies will send an email or text message notice to inform you when your balance is approaching your limit.
4. A suspicious purchase on your credit card.
At Continuing and Professional Education, we currently only accept credit card payments submitted electronically. If you do not normally use your credit card for online purchases, your credit card company may deem the purchase as fraudulent and require you to verify that it is you making the purchase.
5. Your credit card has expired.
Be sure to constantly check the expiration date listed on your credit card. If the expiration date has passed, that would explain why your credit card was declined. In this instance, you would simply need to obtain a new credit card from your issuer and activate it.
If your card does get declined, please call your credit card company immediately. Most credit cards will have a customer service contact number listed on the back. You should expect to answer a number of security questions to verify your identity. Be sure to explain where you were at the time of the attempted purchase and what you were trying to purchase, as well as ask why your credit card was declined. Normally, verifying your identity will be enough for your credit card company to authorize the transaction in question. Some transactions may require you to request a credit card limit increase.