Declined Transactions - Singapore - POSB

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Declined Transactions

Common reasons include card not activated, insufficient credit limit or incorrect card details being entered.

Common reasons that may cause your transaction to be declined

Your Credit Card has not been activated for use

• Please note that if your credit card(s) is newly approved or recently replaced, you will need to activate it before usage.
• Learn more about how to Activate your Credit Card(s).

Insufficient available credit limit

Learn more about how to Check your Credit Card(s) Available Credit Limit. You may also wish to:

• Pay your balance to clear up some of your available credit limit
• Increase your credit limit by making an advance payment into your card
• Apply for Temporary Credit Limit Increase (subject to approvals)
• Apply for Permanent Credit Limit Increase

You entered an incorrect card expiry date and CVC / CVV number

• Your Card expiry date is located below your Debit/Credit Card number under Valid Thru.
• Your Card CVC / CVV number is a 3-digit number located at the back of your Debit/Credit Card below the magnetic stripe.

Due to Payment Controls Setting

Learn more about how you may check/ review your Payment Controls setting via digibank mobile app. Payment Controls allows you to customise your Card Functions:

• Temporarily ‘lock’ or ‘unlock’ your debit or credit cards
• Enable/ disable online e-commerce transactions on all local or overseas websites
• Enable/ disable usage for ‘face to face’ overseas transactions
• Enable/ disable usage for contactless and mobile wallet payments at local and overseas merchants
• Enable/ disable cash advance transactions on credit cards
• Set a monthly spend limit

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Related articles

• Activate New Card
• Check Credit Card Transaction Details
• Pay credit card bills
• Credit Card Payment Cut-off Times
• PIN & PAY