What to do if transaction declined by bank

In this blog post ,we will know , what could be the possible reason to get any transaction declined, basically major problem come to our bank account when transactions are declined by bank ,

sometimes due to technical issue transaction declined ,sometimes account is on hold due to some reason , in this case transactions also declined ,

there has been lots of reason to this same issue , when transaction declined ,first of all we check to our account ,if sufficient balance available in account ,before we go for making any transactions either POS transactions or online transaction;

in case of POS transaction ,if sufficient balance is available , in this case ,first to check whether debit card /credit card is not damaged nay , because cards are damaged ,edc machine does not recognize the card and let the transaction declined,

therefore in case of card is damaged ,please contact to your bank customer care services and raise the request for new credit card/debit card replacement ,

some banks do not take any charges for card replacement but some other banks take charges , so before you raise the request for card replacement ,make sure to ask about charges ;

Why is my debit card being declined when I have money in my account?

apart from any issue to your bank account happened ,there has been some other mistakes that you often make while you try to make any transaction ;

before you go for making any transaction ,make sure card number entered by you is correct , or else,transaction will decline ,

if card number is entered correct ,2nd thing to check ,otp you receive should be entered correctly ,before you authorized any transaction ;

in some cases , during transaction ,you enter card number and received OTP correctly but however transaction declined even if sufficient balance is available in account ;

in this case , you need to contact you bank and let them initiate the request for online transaction, but in few cases it happen ,because this facility is pre-approved while you open an account,

if the request for online transaction is already approved from your bank side , only then you will be able to make transaction ,

validity of card also important to check ,whether that card is not yet expired nay ,

How to solve the issue in SBI bank debit card transaction get declined

after you check all the reason in your SBI bank account ,such as ,sufficiant bal, card validity ,otp is correct ,network issue ,if these all reason checked and found correct , however transaction declined while you try to initiate online transaction;

so you need to send an SMS from your registered mobile no . to this following number


while you do message with that same above details ,bank immediately approve the request and become eligible to make any online transactions ;

What to check if credit cards transaction declined

basically to check some of the things when credit cards transaction declined, possible reason could be ,credit card is expired , or hot-listed , no sufficient credit available balance , card should not be over-limit ,credit limit is zero, blocks on cards ,

net limit or sub-limit disabled , any one of these cases may be ,only then transaction failed ,

let’s discuss some important facts about credit cards ,which can help you to resolve your credit card transaction failed error;

how to pay hdfc credit card bill

  1. if credit card is expired ,or hot-listed ,or re-issued

in case of credit card is expired/hot-listed/re-issued , in this case you need to contact that same bank customer care services ,to resolve this issue ,if you carry hdfc bank credit card ,and card is expired ,this bank automatically re-issued a new credit card

if you have swiped your credit card ,two month before your credit card expired ,

2.No sufficient credit limit balance available

if your credit card limit is already reached up to the maximum limit that credit card has ,transaction failed ,so you need to pay for all dues remaining balance on your credit card so that limit of your credit card may increase and then you can make transaction ;

for example ,if credit limit is 9000,and outstanding balance is 89999 ,in this case if you make the transaction of rupees 100 ,your transaction will decline ;

3.card should not be over-limit

if card is in over limit ,in this case transaction also decline , therefore you should keep your outstanding balance on your credit card within the given limit ;

4.blocks on cards

here blocks on card to say about internal issue on credit cards ,which a credit card holder can not come to know ,therefore ,we should contact in customer care services to the same bank 0f that credit card ,

in case of any blocks on credit cards ,they will resolve the issue ,

hope you guys like this article will help you ,if you have any questions ,please put your concern in comment section ,


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