Skip Nav
Budget Tips
12 Personal Finance Moves You Should Make by Age 30
Get Ahead of the Game! 8 Reasons to Be Early to Work
An Open Letter to the Boss Who Hazed Me

Has Your Credit Card Ever Been Declined?

If you've ever worked in a restaurant there's a high probability you've dealt with telling a customer her credit card has been declined. Even if it's a simple mistake that caused the card to be rejected, the customer probably internalized that rejection and turned red in the face. Have you ever been in her shoes?


Join The Conversation
Ryot Ryot 9 years
Yes, but only at the local grocery store. Thankfully I had cash on hand to pay for the few things I had picked up, and I *knew* it wasn't for lack of funds. Called my credit card company the next morning only to find that the charge from the store went through -- three times! The store was extremely difficult about giving me a refund for the charges. When the same thing happened at the same store a week later, I told the checker to void the entire transaction and to keep the groceries. Haven't been back since.
CaterpillarGirl CaterpillarGirl 9 years
Why would it? Lack of funds someone is using your card number and the bank had frozen it untill they verify whats going on (big purchases one after the other) you forgot to activate it (hee hee happened to me!) or gremlins got into the system.
radmama27 radmama27 9 years
No, why would it?
cubadog cubadog 9 years
yes, but it was because I was on a shopping spree and the bank just wanted to chat with me. I would rather be safe than sorry.
callmecheezcubes callmecheezcubes 9 years
yes. but it turns out i hadnt even activated it yet!!!!
MollyKat25 MollyKat25 9 years
I've seen it happen too often when working in a retail store. But luckly never to me *fingers crossed*
Meike Meike 9 years
ShePirate2010 ShePirate2010 9 years
my mom's has never been declined although when i was at a Hollister store there was a teenager alone and she had over 14 chirts and alot of other things...i was kinda laughing cuz she acted like little miss rich and when she went up to buy the stuff she figured out her parents had cancelled her credit card...LOL and i wonder why that is.....
chatondeneige chatondeneige 9 years
No, thank goodness. I worked at a restaurant for over 6 months, and I only had cards declined three times. All in the same day, all from the same (local, very small) bank, so I figured it was the bank's issue, not my customers'!
verily verily 9 years
Never been embarrassed because I know that I am never declined for lack of funds. The credit card reader in the self checkout lanes of my usual grocery store LOVES to decline me for no good reason at all. It always goes through the second time. And then I often get infuriated when the pimply-faced youth manning the main register insists on walking up to my checkout counter and baby stepping me through using the machine. Considering how often I'm in the store and how worn out my debit card is, I think I can handle the credit card reader on my own. :OY:
chellybean chellybean 9 years
ps - but I've never had a card declined and not been able to pay for something (like with cash or debit). THAT would be embarrassing.
chellybean chellybean 9 years
pfft, my cards get declined so much I don't even get embarrassed anymore.
Rychtrm Rychtrm 9 years
Yes. I was grocery shopping and me and my fiance have a joint checking account for the household(anything that we need for the house or that we both benefit from) so I was using that debit card and it got denied. I was so shocked, it was just like in a movie. I refused to believe that it was denied and kept telling the guy to try it again, I probably was even rude. Luckily it was all a mix up and I had given him the wrong card, a card that we had previously just cancelled.
faerymagick15 faerymagick15 9 years
yep! seems every year around tax return time of course my spending speeds up for a week or two. My stupid card always seems to get a fraud alert! Took me half an hour on the phone this time to get it straightened out. And one other time I didn't realize I was so close to my limit!
jessie jessie 9 years
we've had that was a new restaurant..and they had just hooked up their credit card machine. we swiped a card and it was declined, swiped another..declined. come to find out..since it was new..they had only programed one credit card on there..of course the one we didn't have. and we had no cash whats so ever. so we had to leave without paying a 35.00 bill. the lady was very understanding..but you know she had to have been a bit peeved off. we felt awful. so we called our credit card company when we got out to the car, got a pin number and got a one time withdrawl from a atm machine and went back and payed and left a 20 dollar tip. at that time dh didn't have a regular atm card..thought they were *evil*.
girlwparasol girlwparasol 9 years
i've had it happen, but only because i have fraud monitoring, so recently when a hotel placed a hold on my card (for the exact amount of the room rate), then charged me the same amount a day later, my card was declined - the card company thought i was being charged twice. i figured the hold would come up as "debit authorization" or something different than the actual charge to tip them off.
JaimeLeah526 JaimeLeah526 9 years
It's so embarrassing because everyone assumes you don't have the money.
JaimeLeah526 JaimeLeah526 9 years
I've had issues with my bank putting holds on my account for no reason and never having an explanation for me.
bellaressa bellaressa 9 years
Never had it happened, when I worked retail it would happen all the time. People would get rude when their card was declined too.
lawchick lawchick 9 years
On my honeymoon in the virgin islands. I had called the bank ahead of time so they wouldn't think the charges were suspicious, but it turned out they forgot to enter the note in the file. So... we had to delay our snorkeling excursion. It was embarassing but I'm sure it happens all the time.
MindayH MindayH 9 years
I travel alot and the fraud people are always putting holds on my account - I guess it is for the better.
LesleyP825 LesleyP825 9 years
I've never had a card declined but have been with people that it has happened to.
Le-Luxe Le-Luxe 9 years
It has happened to me and I have seen it happen to other people, but i don't really see what the big deal is. It could mean any number of things other than- your "broke"
Selena Gomez's Sexiest Moment of 2016 Poll
Best Credit Cards 2017
How to Avoid Bank Fraud Scammers
Credit Card Debt
From Our Partners
Latest Career & Finance
All the Latest From Ryan Reynolds