Introduction 

One of the most important things that you should know is that, your card may be rejected, for a number of reason like the card has expired, or you are over the limit of your credit, or the issuer bank suscepts suspicious activity which is fraud again, or it can also be possible that a hotel or car company has placed a block or hold on your card for its bill that you have not paid and that’s why decline code 05 is showing in your card. So, it would mean that you have less to use until the block gets cleared. Also, if they block your debit card then your account balance can get low, also, it is possible that you may bounce a cheque or a recurring payment you do, may be declined. So, there are many things that you can do when your card is declined.

Points to Ponder 

The first and the foremost thing that you ought to do is to check that you have entered the information correctly. If still the problem persists then connect with the customer service number for the credit union or bank which issued you the card. They can tell you what the issue is and how it should be fixed. If there is time that is required to resolve the issue with your card, then you should be able to pay the charge with other form of payment if you find one. There are ways in which you can reduce the card declined. The first thing you ought to do is keep a track of your account and know when your card expires. Mostly it is your bank or credit union, that will send you a replacement card before the card gets expired. So, activate it soon after you get the card. If the card is getting close to the expiration date, then get it replaced and call your bank, or credit union to track it.

Managing and Monitoring Your Accounts 

The first thing that you ought to do is simply monitor your accounts regularly. Keep a trace of how much you spend, and about your account balance or how close you have come to the card’s credit limit – the maximum amount of credit that you are approved for. And, if the balance in your account is very low or getting over the credit limit, then your card shall be declined. Besides all of that, if your bank or credit union provides alerts to flag fraud on your account, then sign-up. These alerts can show some possible problems prior to your card being declined. Also, before you travel contact your bank to know that everything is alright. Large buying and charges from foreign countries seller activity that can trigger the banks or the credit unions to block your account to avoid the fraud.