Besides fund insufficiency, here are some of the most common issues behind a card decline: There was a manual error. You've reached your daily purchase limit. Your debit card expired or is inactive.

Your card may be declined for a number of reasons: the card has expired; you're over your credit limit; the card issuer sees suspicious activity that could be a sign of fraud; or a hotel, rental car company, or other business placed a block (or hold) on your card for its estimated total of your bill.