Why Did My Bank Decline Payment to NordVPN?

The last couple of years have seen a surge in the popularity of online security and privacy among consumers, triggered by high-profile data breaches and hacks. As a result, more and more companies are feeling the pinch as they try to process credit cards on a global scale. The question is: Why did my bank decline my payment?

In most cases, banks will happily process your payment. It’s only when some sort of issue comes up that they’ll decline. The most common reason for a bank to issue a decline message is if a credit card holder is not 18 years old. In other words, someone under the age of majority.

In this article, we’ll discuss what happened, and how you can put things right.

Why Am I Being Declined?

The first thing you need to do is figure out why your bank has declined your payment. It could be for a number of reasons, so it’s worth thinking about the various scenarios.

Age Of Majority

As mentioned above, unless you’re an adult, you’re not allowed to buy anything worth more than $200 without the express permission of your parents or guardians. This is called the age of majority and is typically set at 18 years old in most countries. If you turn 18 years old after the date on which you make the purchase, then the transaction is not protected by law and the seller is not legally bound to provide you with an item of your choice.

In most cases, you don’t need to worry about this as you’ll usually turn 18 before the end of the year. However, if you’ve passed your 18th birthday after the purchase date, then the bank will not process your payment, as the law does not protect you from buying items worth more than $200. In this scenario, you’ll need to find a way to convince your bank that you’re indeed an adult. Fortunately, there’s a fairly simple solution to this problem. All you need is a passport or ID card that shows your date of birth. In addition to this, you can request a copy of your birth certificate, which will prove to the bank that you’re indeed an adult. If this is somehow not enough, you can provide further proof of your identity by way of a driver’s license, state ID card, or passport.

Under 21 Spending Limit

Alongside age of majority, you have to worry about a spending limit that applies to you while you’re a minor. In most cases, this is set at a limit of $500 per month. To put this into perspective, the average American household income is around $52,000 per year. For context, $500 per month amounts to just over 9% of average household income. This is the threshold below which your bank will not let you make a purchase. While there’s nothing inherently wrong with spending $500 per month, it’s worth noting that this applies to all purchases, not just big-ticket items. In other words, it limits the number of times you can use your debit card to make a purchase. The $500 spending limit does not apply if you’re using a credit card (

Exclusive To Credit Cards

Not only do debit cards have spending limits, but so does an exclusive credit card. Nowadays, many credit cards come with some sort of spending limitation, typically set between $0 and $500. In the case of an exclusive credit card, this is set at $0, and the bank may refuse to process any charges above this amount. In most cases, you will need to call the bank to ask why your payment has been declined, as this is a common reason for a credit card issuer to decline a transaction. In addition, if you call enough credit card companies, you will eventually get a human on the other end who will happily investigate the matter for you.

Zero Liability Policy

Finally, you need to bear in mind that some banks have a zero liability policy when it comes to carding. In other words, if you accidentally give your card to someone who uses it maliciously, then your bank will not hold the seller accountable. For this reason, you need to be extra careful when conducting financial transactions. In addition to this, always try to use a different card for online shopping, as this will help you avoid any issues when the time comes to submit your monthly statement.

In most cases, none of these issues will arise. In fact, the majority of the time, banks will happily process your payment and hold the item for you. However, as we mentioned above, if you do run into issues, there are ways to put things right. You just need to be aware of the circumstances and what needs to be done. With just a little bit of planning, you can ensure that you secure all of the items you need, without having to worry about your card being declined because of your age or any liability that you might incur while using it.

Hopefully, this has been of some help to you. In most cases, your bank will not process your payment if it’s flagged by the system as being suspicious. However, there are ways to avoid this. Just remember to keep all your cards on your person at all times, ensure that you’re not using the same card for multiple transactions, and try to use different credit cards for online buying. In addition to this, you can contact your bank and ask why your payment has been declined. This might be a simple mistake on their part, or it might be something more. Maybe they’re under a lot of pressure to process all of the transactions or maybe they just don’t like you as a customer. Whatever the case may be, you can ask them to look into it and get your account processed again. In most cases, this should not be a problem, but if it turns out to be one, then you know what to do. Just try to be patient and things will work out in the end. Thanks for reading! We hope this article has helped you.

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