Tag Archives: online credit card

9 reasons credit cards get declined

Many of the credit card holders experience an embarrassing moment with the declined credit card, especially in a shopping area, with all the products gathered in the cart. At times, the card gets declined during the emergency and thinking of an alternative payment mode is almost impossible. Understanding the reasons why credit cards get declined and avoiding them can help you avoid the humiliating experiences.


  • Exceed Limit

Usually, debit cards are declined when the fund in the account is insufficient and similar to that, a credit card is declined if the cardholder crosses the credit limit. Further, some bankers block the cards for default in the repayment.

To rule out this issue, keep an eye on your balance. If your expenses are 10%-30% below the limit, a good credit score can be maintained.

  • Data Error

The cards are rejected when the code is not entered properly. Further, expired cards may not fetch you the requested money.

When you experience card rejection more than once, slow down the pace and check if you have entered erroneous data. At times, multiple incorrect entries may also lead to rejection. Change of address too can also be a reason for the decline. Make sure to apply for renewal of the old card, before it gets expired. If there is any automatic payment, make sure to update them about the expiry date.

  • New Rules

The multiple credit card holders need to make prompt payments because a single missed payment on a card may reflect on another, especially if they are from the same issuer. Since the credit card companies constantly watch over the payment details, the possibility of reducing the credit limit due to the default in payment can happen.

To avoid it, make sure to maintain good credit history and regularly monitor your email, which may include details about the new rules.

  • Cancellation

Sometimes, the newly replaced card details or the account closed information is not passed on to one of the authorised user, in case of multiple user credit cards.

Check with the bank about the recent update of the credit card and inquire about the reason that affects the ability to use the card.

  • Unusual Activity

The credit card companies keep track of your expending pattern and if there is anything unusual, they may block the credit card to avoid fraudulent practices. Similarly, when your card has been used in an unusual location, rejection may happen.

  • Technology

If you use a card which does not have an embedded computer chip, it may not work on EMV technology, which is common in European countries. Therefore, if you are travelling offshore, contact your credit card issuer and learn if the card is valid in your travel destination.

  • Change in Shipping Address

An online purchase is declined, if there is a change in the shipping address so as to avoid fraudulent practices. Immediately call the hotline for instant help.

  • Wrong Card

Using a debit card or gift card or a prepaid card instead of the credit card may leave you embarrassed of rejection. Sometimes, if the merchant’s payment system does not support your card, you may face rejection.

  • Closed Account

In case of the bank account being closed for a reason, the credit card is rejected.


How to apply credit card for student Indonesia?

We live in the dawn of a cashless era that the credit cards play a crucial role in everyday life and the students are not the exception. College students can use it to access additional funding for their education, expenses and even to have fun, as well.


Why should students use credit cards?

  • Credit cards help the students to learn how to use the money and the freedom.
  • Proper usage of credit cards enhance their credit history
  • Opportunity to apply for loans increases, when they maintain a good credit score.
  • Bankers review their credit score for vehicle loans, future mortgages, apartment rentals etc.,
  • Using credit cards in the right way gives opportunity for the students to be more responsible in money matters
  • Credit cards teach them to manage money in a better way.
  • Using credit cards with fraud protection allows them to stay away from unauthorized purchases.
  • Make use of the cards that come with extended warranties and additional protections.
  • Common services like car rentals and hotel bookings need a credit authorisation.
  • Students can easily manage the emergencies and unexpected accidents, with the credit card on hand.
  • Without the need to take hot cash in their wallet, the students find credit cards as the easy and convenient way of shopping.
  • Credit cards with a cash back offer, discounts, etc., can be availed to buy books, food and to pay bills.

Today, using credit cards is a necessity than a convenience and financial experts strongly recommend it as a learning tool, which helps them learn how to handle money and freedom. Citibank Indonesia offers an array of credit cards, which can be employed by the students to meet out their expenses; to improve their credit ranking; to earn rewards; and to benefit from the discounts, deals and cash back offers.

  • Citi Rewards Card – Earn rewards points to shop and dine with Citi Rewards Card; and enjoy discounts up to 15% for shopping in certain stores.
  • Citi PremierMiles Card – Travel with PremierMiles card and get free access at airport lounges; and redeem the miles while booking airline tickets.
  • Citi Cash Back Platinum Card – Cash back offers up to 5% on dining, grocery shopping and gasoline can be availed.
  • Citi Simplicity+ Card – Earn 10% of the interest amount back, by paying on time.
  • Garuda Inonesia Citi Card – Offers 5% on ticket purchase in local Indonesian transport and get an additional 20 kg luggage.
  • Citi Telkomsel Card – Students can earn 3x rewards points, while paying the monthly billing of Telkomsel via Citibank card. In addition to that, the students can get 2x rewards points at particular theatres, coffee shops, electronic merchants, mobile app, Shell gas station etc.
  • Citi Prestige Card – Students can enjoy the executive and concierge services and a lot more opulent offers.

Before getting a credit card, the student should have thorough knowledge on how to use the cards, without falling into the trap of debts and it is a life lesson.