There are a number of reasons why a credit card transaction could be declined. Sometimes, it just happens if there is a problem with the terminal or the connection when you make a purchase. At times we will decline a transaction to protect you and your credit card account, which we know is not always convenient. Here are a few things to check if you’ve had a transaction declined recently:
•Are you over your credit limit? – Check your balance and recent transactions, you may have made a purchase that has taken you over your authorised limit. If you are over your credit limit, you can make an immediate payment via the Virgin Money Credit Card app using your debit card, which will update your available to spend balance, usually within 15 minutes.
•Are your payments up to date? – Using the Virgin Money Credit Card app check if your payments are up to date. You will also find your payment due date on the front page of your statement. Your transaction will be declined if you fail to maintain your minimum monthly payment. Not registered for the app - contact us to check your balance, credit limit and/or make a payment.
•Have you chosen to freeze your card? – Check if you have frozen your card in the Virgin Money Credit Card app, unfreezing is easy by going to the card page in the app and following the on-screen instructions.
•To protect you and your card, occasionally Virgin Money may decline credit card transactions – We do this if we believe a transaction to be suspicious or we have reason to believe you may not have made the purchase.
If you have exhausted the options above and are concerned about why a transaction was declined, please contact us.
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