Prevent credit card decline

Summer is often a time for traveling, but without taking precautions, your credit card may be declined when used overseas or even out-of-state. Certain changes in behavior can trigger fraud controls set up by the card issuer.

According to bankrate.com, every swipe of your credit card tramsits data to the issuing bank, and then that data is bounced up against some qualifying factors. These qualifying factors can include the type of merchant or the frequency of purchases made that day with the credit card.

One reason why a transaction gets declined is if an unusual amount of purchases are made within a short time period. Other fraud triggers include out-of-state travel, overseas travel and mail orders to foreign products or services.

To prevent transactions from being declined, contact your card issuer if you know you are going to do something unusual with your account, especially traveling. Also, carrying a back-up credit card when traveling just in case one card does get declined.

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