Credit Card Decline Codes - A Complete Guide

When you are declined for a credit card, it can be frustrating and confusing. There are many different reasons why you may be declined, but thankfully, most of the time, the decline code will give you a clue as to why.
 
Here is a list of the most common credit card decline codes and their meanings:
 
Code 1: Insufficient Funds
 
This code indicates that you do not have enough money in your account to cover the purchase. This can happen if you have recently made a large purchase or if you have insufficient funds to cover the credit card’s minimum payment.
 
Code 2: Exceeded Credit Limit
 
This code means that you have reached your credit limit. You will need to either pay down your balance or ask for a credit limit increase before you can make any more purchases.
 
Code 3: Invalid Card Number
 
This code indicates that the card number you entered is invalid. This can happen if you mistype the number or if the number has been changed (such as in the case of a lost or stolen card).
 
Code 4: Invalid expiration date
 
This code means that the expiration date you entered is invalid. This can happen if you mistype the date or if the card has expired.
 
Code 5: Invalid security code
 
This code indicates that the security code you entered is invalid. This can happen if you mistype the code or if the code has been changed (such as in the case of a lost or stolen card).
 
Code 6: Address verification failed
 
This code means that the address you entered does not match the address on file for your credit card. This can happen if you move and forget to update your address or if you simply make a mistake when entering your address.
 
Code 7: Card declined
 
This code means that your card has been declined for an unknown reason. This can happen if there is something wrong with your account or if the credit card issuer suspects fraud.
 
If you are ever declined for a credit card, be sure to check the decline code so that you can take the necessary steps to correct the problem. With a little effort, you should be able to get your credit card account back in good standing in no time.