There are several possibilities why your card transactions may get declined:

⦁ your card has not been activated

⦁ the purchase amount exceeds your available balance

⦁ an incorrect PIN has been entered

⦁ your card has expired

⦁ your card has been reported lost or stolen

⦁ your card has been blocked

⦁ a previous voided or interrupted transaction may have been authorised, and the reserved funds

have not yet been released

⦁ your card balance is not enough to cover both an ATM withdrawal amount and the ATM

operator’s fee