The reason why your Capital One card was declined when you were attempting to make a purchase could be a lack of available credit, a defective card, a broken card reader, or fraud concerns. Other possible reasons are an expired card number or a new card that has yet to be activated. And if you’re behind on your payments, Capital One may temporarily lock – or even close – the account, preventing you from making any new purchases.
Common reasons why Capital One cards get declined:
Lack of credit: If you don’t have enough available credit to cover your purchase, it may be declined. Your available credit can be impacted not only by purchases and payments, but also by holds placed by merchants like hotels.
Defective card: A damaged credit card might prevent the merchant’s machine from reading it properly.
Broken reader: The merchant’s credit card reader might have malfunctioned.
Fraud concerns: If you make an unusually big transaction or spend money in another state or country, Capital One might stop your card from being used until they confirm that the transaction is legitimate.
Expired card: You cannot use your card past the expiration month listed on the front or back. Capital One should send you a new card a few weeks before then.
New card: You’ll need to activate your credit card before using it.
Delinquency: Capital One might stop you from making new purchases until you get current on your payments.
Regardless of exactly why your Capital One card was declined, you can call customer service at 1 (800) 227-4825 to remedy the issue. Capital One should be able to lift any holds, activate the account, or send you a replacement card. They may request payment to bring the account current, or take other action depending on your situation, though.
Finally, it’s worth pointing out that the word “declined” is also sometimes used to mean a credit card application being denied. If your Capital One card application was declined, there are a number of possible reasons, such as a low credit score, insufficient income, too many recent applications, too many open Capital One accounts, or poor payment history. You should receive an e-mail detailing the reason(s). If your Capital One card application was declined and you think the decision is not accurate, you could request a reconsideration, or second review, of your application.
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