![]() Having more than one card can help you in cases where you have a declined card. ![]() When you know how much available credit you have to use on purchases, you’ll have less surprises when you go to checkout. So, it may be a good idea to sign up for these alerts and get into the habit of regularly checking your credit card balance. Many credit card companies send text alerts or emails to let you know when your balance is approaching your limit. In the meantime, you can choose a different payment method to make your purchase. If your payment didn’t go through because you reached your credit limit, the best thing you can do is make a payment on your card. If your balance creeps up toward your credit card limit and you try to buy something that will exceed your limit, you may get a declined card due to insufficient funds. Plus, find out what you can do when you have a declined credit card. Here are some common reasons your credit card may have gotten declined when you tried to use it to make a purchase. It can be a bad feeling when you go to use your credit card and suddenly it’s declined or not working. If you travel without notifying your credit card issuer, you may experience a declined card or a have a hold placed on your account. Sometimes large purchases may appear suspicious to your credit card company and cause them to decline your purchase. If you reach your credit limit (or if your limit decreased), you may get a declined card when you make a purchase.
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