Learn More About False Declines
False declines happen when a credit card is declined for online purchase. The first situation that can cause a false decline is when the transaction is to low. False declines will typically occur with transactions that total $25 or less, and they can often be avoided by making sure the billing and shipping addresses match. Second situation for false declines:
Another situation occurs when the billing address doesn’t match the shipping address so it’s declined as fraud suspicion. Make sure you check your credit card statements to ensure there haven’t been any purchases made without your knowledge!
A third situation which causes a false decline: The bank thinks it’s suspicious because of too many attempts at entering the information correctly (it might think this if you’ve entered wrong codes multiple times.) To avoid this setup alerts on your account so if anyone tries to attempt buying something from unknown location notifications send out immediately.
Also, make sure you check your credit card statements to ensure there haven’t been any purchases made without your knowledge!
Last situation that can cause a false decline: The transaction is done by someone else who has stolen the info or hacked into their accounts and changed the shipping address (the person whose name it’s under might not even know about it.) If anything like this happens contact both institutions where your credit cards are to get them blocked from being able to be used. This is a serious crime and banks will help you weed out the false declines but it’s important that if your card info has been stolen or hacked contact both institutions where you have registered the credit cards so they can monitor for any fraudulent charges!