Let’s explore the reasons why debit cards are declined and how you can resolve them.
Potential reasons your card was declined
Your card hasn't been activated yet.
The expense isn't eligible for your benefit. Different benefits cover different things — see your plan details for what's covered.
Your account balance is lower than the purchase amount.
You selected "debit" at checkout (see the PIN question above).
You locked your card.
You used your card abroad for an international transaction.
Your card has met its daily spending limit.
Workaround tip
If your card is declined for an eligible expense, use another method to pay for your purchase. Submit a claim for reimbursement for the purchase with an itemized receipt.