It started doing this a few months ago. I make sure I have enough money and even wait a few days so it's all processed {money transfers and whatnot.} Then I check the balance online and it says I have plenty of money. But when I slide it over at McDonalds or at the gas station or other random places, it says I got declined. So I check with my bank and they said they don't know why that is because I have money. I asked if something was wrong with the card but they checked it and said the card looks fine. It'll work sometimes, randomly, but I can never be sure if it'll work or not. I usually take out cash now if I want to buy something but if anybody else has had this problem, should I just insist on getting a new card or what else is wrong?
2007-06-20 04:34:07 · 8 answers · asked by Anonymous in Business & Finance ➔ Credit
Your card may be demagnitized. How did your bank check to see if something was wrong? Most banks don't have the capability to tell you if your card is working or whats wrong with it . Order a new card (make sure they don't charge you) if you use the new card and the same thing happens then it's probably the company that is making the cards for the bank. I would use a different bank in this case because theres not much the bank itself can do other than order you yet another
card.
Also when you're making deposits is the money available right away. Banks have somehting called "current balance" and "available balance"
Current Balance- How much is in your account, this may include a deposit you made that is not yet available
Available Balance- How much of your money is actually available for you to use.
EX. Your balance in your acct is 10.00. You deposit 500.00
Your CURRENT BALANCE is 510 but your AVAILABLE BALANCE is only $110.00 . Most banks only make a $100 of a deposit available right away, and the rest the next day which would be $400
This could be a reason, if not then just get another card.
GOOD LUCK
2007-06-20 06:43:26 · answer #1 · answered by K.C. 5 · 0⤊ 0⤋
This Site Might Help You.
RE:
Why does my Visa debit card keep getting declined?
It started doing this a few months ago. I make sure I have enough money and even wait a few days so it's all processed {money transfers and whatnot.} Then I check the balance online and it says I have plenty of money. But when I slide it over at McDonalds or at the gas station or other...
2015-08-18 20:15:50 · answer #2 · answered by Layney 1 · 0⤊ 0⤋
The only thing I can think of is the company puts a hold on your card for a huge amount of money until the actual amount clears. For example, I buy my gas at Sam's Club. For whatever reason, they put a $100 hold on my card until my actual amount (of like $25) clears. So, if you do a lot of shopping in one day and you just happen to go to a lot of places that put large holds on your account, it might look like you don't have enough money and you'd be declined.
The odds of that happening are slim, though. Hmmmm. Double check with your bank to see if your card number has been compromised in some way. Also check with the merchants where you card is being declined. Ask if they put holds on the account.
good luck!
2007-06-20 05:00:03 · answer #3 · answered by YSIC 7 · 0⤊ 0⤋
I had that problem at 7/11 as well. I ran as a debit and entered my pin and it got declined when I knew I had enough money, so they ran the transaction up again and this time I ran it as credit and it went through. I have B of A and if that's your bank they sure won't be any help. I called and got no reall resolution. Try running as credit next time and see what happens, if you haven't already.
2007-06-20 04:44:55 · answer #4 · answered by paz 4 · 0⤊ 0⤋
SOunds frustrating.. I'd just get a credit card and be done with debit cards. Make sure to pay your balance off in full each month. GLuck
2007-06-20 04:40:16 · answer #5 · answered by Cergio S 2 · 0⤊ 0⤋
Ask the bank for a new card, if it works as a debit but not as charge, I would think someone called in and reported it lost or stolen, thus no credit, but ok with debit
2007-06-20 04:46:33 · answer #6 · answered by Pengy 7 · 0⤊ 1⤋
I would defineltely go to your bank and tell them you will close out your account if they do not issue you a new card. It's your bank account, you should be able to access it whenever you want with out a problem.
2007-06-20 04:42:18 · answer #7 · answered by ginamae222 3 · 0⤊ 0⤋
I have the same thing happen to me at the local 7-11. More than likely, your bank has decided to block charges to that specific store for any number of reasons...fraud, etc. That was the answer I got at my bank.
2007-06-20 04:38:54 · answer #8 · answered by Blicka 4 · 0⤊ 0⤋
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hmm best to ask a bank of some sort they will defiantly know coz u dont want to ruin the card
2016-04-08 22:19:16 · answer #9 · answered by Anonymous · 0⤊ 0⤋