Description
If a purchase with your Credit Karma Visa Debit Card doesn't go through, here are the most common reasons why — and what to check first.
Common reasons a transaction may be declined:
-A pending text, email, or in-app confirmation needs a response
-The purchase amount is more than your available -Checkings balance
-Your card is locked
-An incorrect PIN (3 wrong attempts locks the card for 24 hours)
-The transaction was flagged as higher-risk by our security systems
If everything checks out, try the purchase again or ask the merchant to run it as credit. Message us in the app with the merchant name, amount, and date if you need help with your specific account.
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Credit Karma Visa® Debit Card issued by MVB Bank, Inc., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa terms and conditions apply. Credit Karma is not a bank. Banking services for Credit Karma Money accounts provided by MVB Bank, Inc., Member FDIC.
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Video Transcript ~ Why Is My Debit Card Transaction Declined?:
It looks like your transaction was declined. Let’s walk through a few common reasons why and what you can do next.
First, check for a verification request via SMS or inapp notification. If you’re not receiving codes, make sure your phone number on file is up to date in your profile settings.
Next, check your balance. Remember, your available balance may be lower than your account balance due to pending holds from recent purchases or deposits.
Confirm that your debit card is active. If your card is locked or inactive, you can reactivate it in the app under card settings.
Check your daily spending and ATM limits any time.
Double check that you’re using the right PIN. Note that entering your PIN incorrectly three times will automatically lock your account for 24 hours.
Sometimes a decline is merchant specific. Some businesses may have their own processing blocks or incompatibility with certain transaction types.
Finally, if using your virtual card, double check your card details and merchant support.
Still seeing the decline after checking these? Reach out to our support team and we’ll help you sort it out.
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