Why your credit card won’t work

The worst moment to find out your credit card is not working is when you are in the middle of a transaction, especially in-person transactions. Depending on the issue, you can fix it immediately or you may need to use another payment method. In the worst case scenario, you will need to save your purchase until you have resolved the credit card issue. Here are some reasons why a credit card might not work.

It’s new and you haven’t activated it.

credit card score

New credit cards are labeled with instructions for activating your new credit card.

Typically, you only need to dial the number and enter the last four digits of your Social Security or zip code. The call will take only a few moments and your credit card will be activated immediately. Some credit card companies allow you to activate a credit card online or through a smartphone app, but the call can be faster.

He was running out.

credit card score

Your credit card may stop working, especially after the end of the month. If you think your credit card has expired, check your mail. The credit card company has probably already submitted a backup credit card. Otherwise, call your credit card company to find out if a new credit card is on the way.

Credit card issuer has submitted a new card.

Credit card issuer has submitted a new card.

If your credit card number is compromised, such as after a major data breach, your credit card company can automatically send a new credit card and cancel your old one. Many credit card companies send more secure credit cards with EMV chips.

Your credit card company may deactivate your credit card after a new mail has been sent to you. When you receive a new credit card, be sure to call and activate it so you can use it.

Demagnetized or scratched.

Demagnetized or scratched.

The magnetic strip on some credit cards may stop working after the card is too close to the magnet or sometimes to a mobile phone.

When the credit card is demagnetized, there may be a mistake in reading the credit card or nothing will happen after the swipe. Scratches or curves on the magnetic strip can also prevent your credit card from being returned. Your card number can still be entered manually, but you will need to get a new credit card to make a purchase.

There are technical issues with your credit card company, merchant, or payment processor.

There are technical issues with your credit card company, merchant, or payment processor.

Credit card transactions processed electronically. The information goes through several different layers before the transaction is approved. Technical difficulties at any stage can cause problems with your payment processing. The merchant may be able to hold credit card information and complete the transaction when technical issues are resolved.

You don’t have enough credit.

Your credit card may be declined if you do not have enough available credit for the transaction. You can’t make a payment immediately to release some available credit (unless the card is linked to your checking account), so it’s best to use another payment method if you don’t have enough credit.

There was fraud in your account.

Your credit card may stop working if your credit card company suspects fraud on your account.

This can happen in cases of legitimate fraud, for example, someone using a credit card to make a purchase in another country. It can also happen when you are shopping unusual for your typical consumer habits. For example, a credit card company may suspect fraud if you spend more than you normally do in a day.

Please enter incorrect billing information.

Online purchases require you to enter your billing information as shown in your credit card statement. Your credit card will not work if your billing information is incorrect, even if everything else is correct. Confirm all the credit card information you enter matches the credit card statement.

If your credit card continues to give you problems, you may need to request a credit card replacement. Many credit cards send a new credit card with the same account number for free, except in case of fraud.

Use a backup form of payment while you wait to receive your new credit card in the mail.

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