How to Avoid Declined Credit Cards

Having a readily accessible credit card that is in good standing helps to avoid any credit card declines.  That is why you should always be aware of your credit card status and be in good standing with your credit card company.

Here are some simple steps to help avoid credit card declines:

  • If you get a new credit card in the mail, make sure to activate it before putting it in your wallet
  • Remove the old, expired credit card from your wallet and shred it so you do not accidentally try to use it
  • Make sure to pay your bills on time
  • If you plan on traveling abroad, notify your credit card company so they are not suspicious of any activity occurring out of the country
  • If you plan on partaking in a big shopping spree, check the available limit on your credit card online before hitting the stores and call your credit card company to give them a heads up that this is about to take place
  • Before booking a vacation with a multitude of expenses, such as car rental and hotel room, call your credit card company and ask them to raise your limit to prevent being declined courtesy of a soft hold of expenses from a merchant
  • Do not leave your credit card sitting out in the sun, put the magnetic strip down on counters that warn you about placing your credit card there and do not put your credit card through the dryer as physical damage can also contribute to credit card declines

By taking some simple proactive steps with your credit card, you can help prevent unexpected declines on your purchases.