Look into your hotel's policy on this and see if you did exceed your credit limit. This amount differs but sometimes it may be well into the hundreds of dollars. Hotels often put hold charges on your card that are refunded after you check out. It’s frustrating to expect your card to work, only to find out the hard way that the account is still locked.Īnother possibility when your card isn't working? You've gone over your credit limit, even if you haven't spent over your credit limit. However, you should try to make a small or simple purchase after your call to be sure that your card is no longer blocked. Once you call, they will likely make a note on your account that you're traveling, so none of your future purchases are flagged. The issuer may also ask you to confirm some recent transactions, in which case it's handy to have copies of all your recent receipts.
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You'll also want all the information they might ask for to identify you as the cardholder, such as your social security number, billing address zip code, an example of a recurring purchase, etc. This includes the issuer's international help number (sometimes, this differs from the U.S.-based number you might see on the back of your card).
When you call, you'll want to have all the necessary information at your disposal when you speak to your credit card issuer. In many cases, all you have to do is give your issuer a call and they'll release the hold. It could just be that you're traveling in a fraud-prevalent country, where credit theft and scams are more likely. However, sometimes it might not even be anything that you've done. You're spending outside of your habits, whether in what you're purchasing or where you're purchasing it. The main reason your credit card may not be working is that your credit card issuer suspects fraud. Reasons Your Credit Card Isn't Working-and What to Do
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