Having your credit card transaction declined right at the final checkout point online or in store with a long queue of shoppers behind you... we want to avoid this. But here are some steps to overcome dealing with these scenarios.
First, remember a credit card decline transaction can happen to anyone. I heard a story once of a CEO of a major bank having his transaction declined by his own bank... we can all relate.
Become aware that there are soo many different reasons why a transaction can be declined. Keep your cool, because it may just be the bank taking extra security measures.
Look on the back of your credit card and call the bank customer service number to find out the actual reason why and try rectify it on the spot.
If for some reason you still cannot use the card. It’s always smart to carry a second credit card in case of such situations. Get a second credit card to quickly get you out of there with your purchase.
Hopefully, now you got the confidence in overcoming a transaction decline. We commend you!
In the comments below, feel free to share your transaction decline experience or story.