These limits are in place for security reasons, to avoid someone taking your card and using it to wildly spend all your money. Some cards will have a daily transaction limit meaning that once you reach that amount, you’ll find your debit card being declined even when you have money in your account. Related: When You Get a New Debit Card Does the Card Number Change? 3. If that’s the case, it’s good to let your bank know as soon as possible so they can take steps to make sure the other card can’t be used. There may have simply been an oversight, but it’s also possible that someone has stolen your card from the mail. Most banks will send you a new card a month or so before your current card expires, so if that hasn’t happened yet, it’s important to call your bank immediately and find out what’s going on. If your debit card has expired, it won’t be able to be used for transactions anymore. Either way, you’ll have to find another way to pay for this purchase or leave it behind. For example, your paycheck may be delayed or another deposit may be pending and you can’t use the money yet. It’s also very possible that it’s not your fault. But it’s okay – a card being declined happens and we’ve all been there before. It’s never nice to be caught at the cashier and have to do that embarrassed mumble that “you’re sure there’s enough money“. Fortunately, there are simple ways to check the balance of your account. This means that even if you think your debit card is declining when you have money, it’s worth double checking the balance. That is, probably the most common reason for your debit card not working is that there are insufficient funds on the card. Ok, while I know you said your debit card declined even though you have money on it, just hear me out. You may need to call your bank or card issuer for their help in finding the culprit, but chances are that the issue is very solvable – even if you’re pretty frustrated right now. Similarly, if you need cash but realize that your ATM card is not working, it can be a real pain.įiguring out why your debit card is declining when you have money is going to be key to allow your debit card to start working. It’s definitely irritating when you find yourself in the position where your debit card was declined but you have money in the bank – or at least you think you do. Why is my debit card declined when I have money? One last thing on your debit card not working.Why is my Visa debit card being declined?.Why is my debit card being declined for an online purchase?.Why is my card being declined when I have money?.Additional information is needed from you

Joint account holder deactivated the card Bank has identified other suspicious activity relating to your account Bank has flagged transaction for being suspicious Why is my debit card declined when I have money?.

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