How to Avoid the "Credit Card Declined" Embarrassment

Pay Attention to Your Limit

Exceeding your credit limit is one sure way to receive a "Credit Card Declined" message. Always make sure you know exactly how much credit you have available, and if you're reaching your limit it's time to re-evaluate your spending habits and pay your balance down.

Notify Your Credit Card Company When Traveling

If you start racking up out-of-state charges on your credit card, your credit card company may put a security "hold" on your account. This will result in a Credit Card Declined notice, and you'll have to speak with your credit card company and prove your identity prior to being able to use the card.

This is a hassle, but it's meant for your own good. To avoid this situation, contact your credit card company before traveling and let them know your plans. They will be able to notate your account and you can avoid the embarrassment of having your card declined at a store or other business establishment.

Be Prepared

Sometimes if you haven't used a card in a while or if you usually only use a card for gas or grocery purchases, going on a sudden spending spree can trigger flags on your account, which can also result in a security hold being put on your card. Make sure you're prepared for this if you plan on making unusual purchases.

And remember, while a "Credit Card Declined" message is often embarrassing and never ideal, it might have your best interests in mind. Keep this under consideration when working the situation out with your credit card company.