Why Was My Debit Card Declined? There are many reasons why your debit card payment may be declined. An incorrect PIN is a sure way to have your debit card declined for in-person purchases and ATM withdrawals. Make sure you know the PIN of your debit card. Many debit cards allow you to change your PIN using the bank's mobile app. Alternatively, you can visit the bank branch and ask for your PIN to be changed. When you use an incorrect PIN multiple times, your debit card can be locked. It means that even if you enter the correct PIN next time, the transaction will be declined. Locked cards are always declined for purchases. This means that your debit card will be declined if you lock it manually. To fix it, simply unlock the card. Another common reason is that the debit card hasn’t been activated. When you receive your new debit card, you must activate it. Very often, people forget to activate cards. Another possible reason is that the card is expired.
When you rarely use your debit card, it is easy to forget that it has expired.
You can check the expiration date on the front of your card. Some cards, however, have expiration on the back of your card. The merchant doesn’t accept your card type. For example, Costco accepts only Visa. It rejects any other card. You’ve reached your spending limit or made too many transactions. All cards have a spending limit per day. For some cards, you can even set your own limit on the amount you can spend. When you exceed the limit, your purchases will be declined. For online purchases, incorrect expiration dates, CVV, or ZIP codes are a sure way to get a transaction declined. These are some reasons why your debit card was declined.

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