Having your TD credit card declined at checkout can be quite annoying.
Therefore, it’s important to be prepared with an alternative method of payment, such as a TD debit card or another credit card.
Once you’ve left the shop, however, it’s important to investigate why your credit card wasn’t accepted. The fastest method is to call the card company right away.
Find out why your TD credit card was refused online, what to do if it happened to you, and what you can do to avoid it from occurring again.
Why is my TD credit card not working?
Short Answer: If your TD credit card is not working, it may be because you have exceeded your credit limit, have outstanding transactions that haven’t been added to the card balance, your card has lapsed or has been canceled, you are late on payments, or you haven’t enabled your new or replacement card. It’s also possible that inaccurate card information contributed to this problem.
1. Your credit limit has been exceeded
Your card may have been declined for the simple reason that you’ve reached your card’s credit limit.
Once you miss a payment, the credit card company will not allow you to borrow any more money.
When your credit card is at its limit, you can’t make any more purchases, and it also negatively affects your credit score.
As a general rule, you shouldn’t use more than 30% of your available credit on any one card; if yours is maxed up, you’re already way over the limit.
2. Pending transactions
Your available credit has been reduced due to outstanding transactions that have not yet been credited to your card balance.
Despite the convenience of internet transactions, money transfers still take time.
Credit card payments made online or over the phone may take one to three business days to appear in your account balance.
This is because ACH (automated clearing house) payments are handled in bunches at night rather than instantly.
If you pay your bill on a Friday night or during the weekend, it may not be shown in your account until Monday.
You may verify the posting of your payment, your current balance, and your available credit by calling or checking your account online after making a payment.
3. Error with the card information provided
When making an online purchase, you’ll be asked for data such as your TD credit card number, expiry date, card verification value, shipping address, and billing address.
There are a lot of numbers there, and it is easy to make a mistake or leave some details out.
It’s also conceivable that your credit card was denied because of an outdated contact number or address on file.
4. Payments on the card are overdue
If you haven’t paid in a while, your TD Bank may limit your spending or even cancel your card.
If your card is refused, you may not notice you’re behind on payments until you phone the issuer to explain the problem.
They can provide you with detailed information on how much money is owed and how to get your card back in working order.
Although late payments often result in additional costs, your provider may be prepared to waive these charges to assist you to get back on track.
The provider may enable you to keep using the account until you get caught up on payments if you are experiencing financial difficulties.
5. The activation of a new or replacement card has not been done yet
If your account number was stolen in a data breach, for instance, a replacement credit card may already be on its way to you.
Your old card will probably be terminated by the issuing bank at the same time.
After the new credit card has been sent to you, the old one may be deactivated by the card issuer.
Don’t forget to contact and activate your new credit card as soon as it arrives.
6. Your card is no longer valid or has lapsed
The majority of credit card issuers will provide replacement cards to cardholders far in advance of their present cards’ expiration dates.
However, your card may be declined if you have relocated and neglected to update your address information or if you have inadvertently continued to use the same card after switching to a new one.
If you want to keep your TD credit card from being refused because it has expired, be sure to notify the card issuer of any address changes.
7. The card has been deactivated or canceled
No longer will you be allowed to use the TD card if you were previously added as an authorized user but the main cardholder has since deleted you from the account.
Talking to the card’s issuer is your only bet at finding out the real reason your account was canceled.
You should check the status of your accounts frequently since issuers are not obligated to notify you if they decide to close them.
Your credit card may also be closed if it has not been used for quite a long time.
Why is TD credit card not working for online purchases?
Your TD credit card isn’t functioning for online purchases probably because you’re attempting to pay for a gambling deposit, cryptocurrency, or incompatible third-party service, your card has been put on hold, your activity is suspected of fraud, you have supplied the wrong billing information during checkout, or you were excluded as a user by the account’s main holder.
1. The credit card company suspects a shady transaction
Card rejections due to fraud suspicion are rather prevalent. Credit card issuers are normally alert when it comes to spotting questionable behavior.
This may include abnormally big purchases that are mismatched with your spending patterns and transactions that are conducted far away from your typical location.
While fraud detection may assist to uncover and halt instances of fraudulent card activity, it can also occasionally lead to credit card issuers reporting legitimate purchases.
If your card has been frozen owing to an instance of erroneous fraud detection, you may phone TD Bank to check that you’ve approved the online transaction in question.
2. You are attempting to make a gambling deposit
Since many banks and credit card companies refuse to process transactions involving gambling, any bets you place, whether online or in person, might be rejected.
To verify whether or not your credit card may be used for online gambling purchases, contact TD’s customer service.
3. You’re investing in cryptocurrencies.
When it comes to buying bitcoin, several of the major credit card companies in the United States will not let you use your card.
Similarly, TD Bank has banned letting its clients use credit cards for the purchase of cryptocurrency.
4. You are making use of an incompatible or unauthorized payment method.
If you try to use your card for an online transaction with an unauthorized third-party service, your payment may be rejected.
Some payments like your mortgage or rent bills cannot be paid for using a credit card.
So, if you are using a TD credit card to do the same, your payment will be declined.
5. Improper Billing Details
To complete an online transaction, you will need to input your billing information exactly as it shows on your credit card statement.
Even if all other details are right, your credit card won’t be accepted if the billing address is wrong.
Make sure the details you supplied for your credit card match what appears on your account.
6. You have been removed by the primary holder of the card
If you have been removed as an authorized user on someone else’s credit card, all future purchases you make with that card will be declined.
If you find out you’ve been removed from an account without your permission, you might try contacting the account’s main holder.
7. A hold has been put on your credit card.
The ability to use your credit card for purchases may be limited if a store has placed a hold on your account.
Typically, this happens when a hotel or vehicle rental agency is billed for a travel-related expense.
Some stores use this to reduce their risk and make sure you have enough funds in your account to make a purchase.
When the total amount is calculated and charged to your card, the hold should be removed.
Until then, your available credit may be lower than you anticipate, increasing the likelihood of denial.
FAQs
1. How can I get my TD credit card activated?
To enable a TD Bank credit card, contact 1 (888) 561-8861 or the number on the card’s label, or navigate to their website.
TD Bank credit cards may also be activated through the mobile app.
2. How can I tell if my card has been blocked?
With a banned card, online payments are denied. The ATM card reader won’t recognize the card, take the PIN, or approve the transaction.
Contact customer support or visit a bank to confirm a banned card.
Final Words
The most humiliating part of trying to use a credit card is seeing your card gets declined in stores.
Many individuals experience this at the cash register at some point in their life.
There are several potential causes, some of which have nothing to do with your purchasing habits, while others may be attributable to your card use patterns.
With the correct information and a secondary payment option, you can survive a compromised card.
Further Reading:
Why is TD Global Transfer not working
Why would TD Bank close my account
Why is TD debit card advance not working
How to Fix: TD Interac e-transfer not working
Having earned a Bachelor’s degree in Commerce from Ravenshaw University, with a background in Accounting and Finance, Akshita Pattanayak contributes to UniTopTen by writing clear and concise articles based on Finance-Tech. With more than a hundred fin-tech related articles, she hopes to educate people about how banking and payment apps function.