My card details don't seem to be working. What can I do? (2024)

FAQs

Why does it keep saying my card info is wrong? ›

This indicates a problem with the information entered for the card. Double-check the credit card number, expiration date, and CVV. Ensure your address matches what is on file with your bank. This includes ensuring the separation of Line 1 and Line 2 of the address.

You have an old address or phone number still on file. You reached your credit limit. Your card has expired.

Verify the mailing address, name on card, CVV, and expiration date. Next, double-check your balance to verify that you have enough funds available. If these do not resolve the issue, contact your bank.

If you recently activated your card and this is the first use, it is possible the activation process was not fully completed. The card provider may need to manually activate the card. Often, your card is declined for your protection to prevent fraudulent purchases.

What does “CVV verification failed” mean? Most likely the three digit number on the back of a credit/debit card (or 4 digit number on the front of an American Express) was not entered correctly. It's best to try re-entering both the credit/debit card number AND CVV number.

This can occur for a few different reasons: The 3-digit security code on the back of the Visa, MasterCard or Discover does not match what the card holder's bank has on file. For American Express this is the 4-digit code on the front of the card. The expiration date was entered incorrectly.

In case you suspect it is a hard decline, check if: The card has expired or is inactive. You have met your daily purchase limit. You're using the right debit card (if you manage multiple cards).

There are several reasons why a debit card may be declined even if you have money in your account. Common reasons include travel and reaching your daily purchase limit. Stay on top of your cards and consider using budgeting apps to help avoid debit card denial.

Unauthorized transactions, unusual use patterns, lost or stolen cards, or scams and malware can automatically trigger a card decline as a safety measure. Protect yourself by using mobile and online banking to keep an eye on your activity in real time so you can quickly see and report any unrecognized transactions.

It could be the result of normal wear-and-tear, heat or water damage, or grime buildup. Or it could be an issue with the card terminal or your account. Try to clean your card to see if that helps. If you're in the middle of a purchase, swipe your card instead of inserting it into the terminal.

Why is my card number not working? ›

An invalid card number means that the card is likely closed at the card issuing bank and is effectively an invalid card. If the cardholder says that the card is not closed, then the cardholder should contact the card issuing bank to resolve the issue.

This can be caused by a dirty or damaged card, a faulty or jammed card reader, or a network or software glitch. To troubleshoot and resolve card reader errors, you should inspect the card for any visible damage, dirt, or debris. If the card is dirty, gently wipe it with a soft cloth.

You can also check your online banking or call your bank's customer service line to see if there are any restrictions or blocks on your card. Typically, when a debit card is blocked, a prompt email is sent by the card provider to cardholders' registered email ID. Online transactions will be denied.

You can directly approach your bank or its branch and submit a written application, requesting an automatic unblock of the ATM card. To verify your identity as the card's user, you must submit ID and address proof. Once these details are verified, the bank will unblock your card.

An invalid card number means that the card is likely closed at the card issuing bank and is effectively an invalid card. If the cardholder says that the card is not closed, then the cardholder should contact the card issuing bank to resolve the issue.

There are several reasons why a debit card may be declined even if you have money in your account. Common reasons include travel and reaching your daily purchase limit. Stay on top of your cards and consider using budgeting apps to help avoid debit card denial.

Your card may be declined for a number of reasons: the card has expired; you're over your credit limit; the card issuer sees suspicious activity that could be a sign of fraud; or a hotel, rental car company, or other business placed a block (or hold) on your card for its estimated total of your bill.