![]() The important thing here is to think about this scenario before it actually happens. ![]() ![]() There could be other reasons, though, as we’ll discuss below. If this happens to you, it’s probably due to a lack of funds. A card decline, therefore, means that the bank has checked your account, and chosen not to give authorization for a transaction. When a transaction gets “approved,” that only means that your bank has verified that your account exists, and that it has enough funds to cover the transaction at the time of the authorization request. However, they will be set aside under an authorization hold while the transaction gets finalized. When you tap or swipe your card to make a purchase, the funds will usually be in your account for at least another day or two. ![]()
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