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This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

Top 3 Reasons for Credit Cards to Decline ！.

Hello ！ Smart International.

Credit card declines occur regularly when dealing with credit cards. The card-issuing bank then sends a message to the card-issuing bank. The card-issuing bank then verifies that the card you are trying to use is currently accepted.
If the card is accepted, the amount entered is charged to the card and the transaction is completed.
Decline means that the card cannot be used now. There are various reasons for

Decline, but the most common are as follows

1 ） Card balance is insufficient.
Credit cards have a limited range, up to the maximum credit limit, and debit cards have a limited range, up to the amount in your account. If you exceed this range, you will get Decline.
Some issuing banks will let the payment through even if it is a little over the limit, but the customer is often penalized and the fee is deducted later.
Customers who want to avoid penalties can set up the system so that Decline is issued when the limit is exceeded and the balance is insufficient.

2 ） Fraud （ Fear of fraud ）.
If you make a large purchase suddenly or go on a trip and make a payment from a different country than usual, it may become Decline. As for the card issuing bank, they will put a stop to suspicious card usage as soon as possible.
In this case, you will receive a notification on your cell phone or e-mail confirming that you have made a payment, and if you explain that it is your purchase, your card can be used.

3 ） Payment has accumulated
If you still have a limit to make a payment, but the payment has accumulated, some banks will not allow you to make a new payment unless you pay off your existing balance.
If you do not pay at least Minimum Payment, you will get into this kind of trouble.


If only one customer is declined, it is best to have the customer pay by another method （ such as another card or cash ） and call your card issuing bank.

It is rare for all customers' cards to be Decline, but if this is the case, it may be a problem with the processing bank, in which case please contact Smart.


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