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On a related note, if your card has expired and you’re not using the new one, you could be declined. Businesses including gas stations, hotels and rental car companies often put a hold for a certain amount — which can be hundreds of dollars — onto your card when you initiate a purchase, warns Edgar Dworksky, founder of Consumer World.
“If you are near your limit before this, these temporary charges could put you at your limit, and subsequent purchases elsewhere will be denied,” he says. “A large purchase like electronics, appliances or an expensive vacation all could trigger a decline if it’s outside your normal spending pattern,” Detweiler says.
His friend later advised him on a more direct strategy.But all joking aside, it can happen to anybody, for any number of reasons.