Why is my card declined?

Learn why you may get a “card declined” message when using your US Bank card

Anna Allen avatar
Written by Anna Allen
Updated over a week ago

Purpose

This article explains why you may get a “card declined” message when using your US Bank card. To learn how to view declined transactions, see the “View declined transactions” article.

Audience

The information in this article applies to U.S. Bank and Elan customers (both administrators and employees) who are using a physical corporate card.

Declined transactions messages and meanings

The following Table 1 lists the messages you may see if your card is declined, what those messages mean, and what to do when you see each message.

If you call customer service regarding a decline message, a representative may be able to directly assist you. In certain cases, however, such as for credit limit changes or unblocking of merchants, the representative may direct you to your company program administrator for assistance.

Table 1. Declined transaction messages and meanings table

Decline message

What it means

What to do

Account closed

The account connected with your card has been closed.

Call customer service at 800-344-5696. They may be able to provide more information about the specific issue.

Account temporarily closed/locked

The account connected with your card has been temporarily closed or locked.

Call customer service at 800-344-5696. They may be able to provide more information about the specific issue.

Call customer service at 800-344-5696

You can get this message for various reasons. Call customer service for more information on the specific issue.

Call customer service as directed.

Card expired

Self-explanatory

Call customer service at 800-344-5696 to request a new card.

Card not activated

You have not activated your card. You must activate your card before using it.

Activate your card by following the instructions included on the card.

Exceeded account single transaction limit

Self-explanatory

Make a transaction that does not exceed your single transaction limit or contact your card administrator to see whether you can extend your single transaction limit.

Exceeded an account limit

Insufficient credit

Self-explanatory

Make a transaction that does not exceed your account limit or contact your card administrator

Merchant code error

Merchant code excluded

The transaction may not follow the established merchant category code (MCC) rules set up by your administrator. For instance, transactions at selected MCCs will be approved or authorized, and transactions at not-selected MCCs will be declined. (See the “Commercial Rewards: Card Administrator Guide” for more information on this topic.)

Contact your card administrator.

Fraud detected

Fraud has been detected related to your card.

Call customer service at 800-344-5696. They may be able to provide more information about the specific issue.

Invalid card or account

The account or card is not active.

Try again with a valid card. If the issue persists, contact your card administrator or call customer service at 800-344-5696.

Invalid credit rating

The account is blocked from making purchases.

Call customer service at 800-344-5696.

Invalid expiration date

You entered the incorrect expiration date for your card.

Retype your card's expiration date. If the issue persists, contact your card administrator or call customer service at 800-344-5696.

Invalid pin

Self-explanatory

Retype your card's PIN. If the issue persists, contact your card administrator or call customer service at 800-344-5696.

Outside of the effective date

Your card has expired.

Contact your card administrator.

Transferred account

The account associated with your card has been transferred to another account or institution.

Contact your card administrator.

Unknown error, call customer service at 800-344-5696

Self-explanatory

Contact your card administrator or call customer service at 800-344-5696. They may be able to provide more information about the specific issue.


Need help?

If you need help, contact the TravelBank support team:

  • From the website or mobile app: Open the left navigation menu and select “Chat with us”.

Publish date: November 27, 2023

Last update: April 20, 2024

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