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            American Owned Biker Leather and Motorcycle Helmet Store

WHY WAS MY CREDIT CARD DECLINED?
There are several reasons why your credit card might be declined, below is a list, if you have just tried to make a purchase with us and your credit card was declined, here are the main reasons that it happens and what you may be able to do about it.

1. WRONG Credit Card Number. If you put your credit card number in wrong even if off by just one digit, the credit card will be declined, so if you're like me and your eyes are not as good as they used to be, then check again to be sure the credit card number is correct.

2. WRONG Expiration Date. Like with the credit card number, the date must be exact or it will not work. Some credit cards will have a month/day/year expiration, but we do not need to use the day, just make sure the month and year of the expiration is correct.

3. WRONG CVV Number. The CVV number is an extra measure of security provided by your credit card issuer. For Visa and Mastercard the CVV number is on the back of your credit card near your signature. It is 3 digits. Sometimes the 3 digits are on there alone and sometimes are at the end of a series of other numbers. For American Express it's the 4 digits on the front bottom of your credit card. These must be correct or your credit card may be declined.

4. DUPLICATE Decline. If you put in your credit card information and let's say you accidently put in the wrong expiration date and your credit card was declined. Then you realize your mistake, and you immediately correct it and try to place the order again. What happens is the credit card processor has a time delay of about 3-5 minutes which prevents you from accidentally hitting the CHARGE or SUBMIT button twice in a row and getting charged multiple times, so if you have made an error and put in something wrong, give it a few minutes before trying again and be careful to make sure everything is correct before clicking the CHARGE button.

4. WRONG Billing Address. If the billing address is wrong, your credit card may be declined by either your credit card issuer OR us. We know that sometimes you want your order shipped to a different address than your billing address and we are ok with that, HOWEVER, you MUST put in the BILLING ADDRESS, the same address that is on file with your credit card issuer or bank. If you need it shipped to a different address, then give us the SHIPPING address for where you want the order shipped to. Sometimes customers will put the shipping address in as the billing address for fear that the order will be shipped to them instead, but we ship to the SHIPPING address you give us.

5. Unusual or Quantity Purchases. Some credit card issuers or banks will DECLINE your credit card if you have either suddenly made an unusual amount of purchases or you have gone on vacation and placed an order from another state or country. This does not mean your credit card does not have credit available, it's the banks way of making sure someone is not using your credit card without your permission. What you should do before going on vacation for example is contact your bank or credit card issuer and let them know what countries you will be vacationing in so they will not decline your credit card transactions while you are gone. Also, let's say you have decided you need a whole new wardrobe and suddenly make hundreds of dollars in transactions on a credit card that is only used once in awhile, that may look suspicious to the bank and they may decline the credit card. So, again, contact your bank or credit card issuer to let them know you are going to be making several purchases all in one day or week and that its ok.

6. NO AVAILABLE CREDIT. Sometimes your credit card is declined because you are at or over your limit. Perhaps you just made a payment but the bank has not yet credited your account, they will DECLINE your card. Some credit cards these days will decline your card and not let you go even one penny over your limit as they did in the past. 

So basically, if your credit card is declined there could be several reasons for it so first make sure that everything including card number, expiration date, CVV number, Billing Address, etc. are correct. Check your balance to make sure you have the credit available and that any recent payments have been credited. If you've done everything right but it's still declined, then contact your bank or credit card issuer. They do not give us the private details of WHY it was declined. Just an FYI, we also take check or money order payments issued in US Dollars.

Are you strapped for cash? Need a loan or a credit card? Do you have excellent credit? average credit? bad credit? There are credit cards available for most people with most credit histories. Did you know that the higher your credit score, the lower your interest rate? Just something to keep in mind. If you are going to apply for credit cards so you can improve your credit rating, then pay them on time and only use about 75% of the credit limit and your credit will improve. Apply for some of the credit card offers available.





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Credit Repair: How to Help Yourself

You see the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail, and maybe even calls offering credit repair services. They all make the same claims:

“Credit problems? No problem!”

“We can remove bankruptcies, judgments, liens, and bad loans from your credit file forever!”

“We can erase your bad credit — 100% guaranteed.”

“Create a new credit identity — legally.”

The Federal Trade Commission (FTC) says do yourself a favor and save some money, too. Don’t believe these claims: they’re very likely signs of a scam. Indeed, attorneys at the nation’s consumer protection agency say they’ve never seen a legitimate credit repair operation making those claims. The fact is there’s no quick fix for creditworthiness. You can improve your credit report legitimately, but it takes time, a conscious effort, and sticking to a personal debt repayment plan.

Recognizing a Credit Repair Scam

Everyday, companies target consumers who have poor credit histories with promises to clean up their credit report so they can get a car loan, a home mortgage, insurance, or even a job once they pay them a fee for the service. The truth is, these companies can’t deliver an improved credit report for you using the tactics they promote. It’s illegal: No one can remove accurate negative information from your credit report. So after you pay them hundreds or thousands of dollars in fees, you’re left with the same credit report and someone else has your money.

If you see a credit repair offer, here’s how to tell if the company behind it is up to no good:

  • The company wants you to pay for credit repair services before they provide any services. Under the Credit Repair Organizations Act, credit repair companies cannot require you to pay until they have completed the services they have promised.
  • The company doesn’t tell you your rights and what you can do for yourself for free.
  • The company recommends that you do not contact any of the three major national credit reporting companies directly.
  • The company tells you they can get rid of most or all the negative credit information in your credit report, even if that information is accurate and current.
  • The company suggests that you try to invent a “new” credit identity — and then, a new credit report — by applying for an Employer Identification Number to use instead of your Social Security number.
  • The company advises you to dispute all the information in your credit report, regardless of its accuracy or timeliness.

If you follow illegal advice and commit fraud, you may find yourself in legal hot water, too: It’s a federal crime to lie on a loan or credit application, to misrepresent your Social Security number, and to obtain an Employer Identification Number from the Internal Revenue Service under false pretenses. You could be charged and prosecuted for mail or wire fraud if you use the mail, telephone, or Internet to apply for credit and provide false information.

Your Rights Regarding Credit Repair

No one can legally remove accurate and timely negative information from a credit report. The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. Some people hire a company to investigate on their behalf, but anything a credit repair clinic can do legally, you can do for yourself at little or no cost. According to the Fair Credit Reporting Act (FCRA):

  • You’re entitled to a free report if a company takes “adverse action” against you, like denying your application for credit, insurance, or employment. You have to ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft.
  • Each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report once every 12 months, if you ask for it. The three companies have a central website, a toll-free telephone number, and a mailing address for consumers to order the free annual credit reports the government entitles them to. To order, click on annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to:

    Annual Credit Report Request Service
    P.O. Box 105281
    Atlanta, GA 30348-5281

You can use the form in this brochure, or you can print it from ftc.gov/credit. You may order reports from each of the three consumer reporting companies at the same time, or you can stagger your requests, ordering one from each company throughout the year from the central address. Don’t contact the three nationwide consumer reporting companies individually or at another address because you may end up paying for a report that you’re entitled to get for free. In fact, each consumer reporting company may charge you up to $10.50 to purchase an additional copy of your report within a 12-month period.

  • It doesn’t cost anything to dispute mistakes or outdated items on your credit report. Under the FCRA, both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under the FCRA, contact the consumer reporting company and the information provider.

Helping Yourself

Step 1: Tell the consumer reporting company, in writing, what information you think is inaccurate. Include copies (NOT originals) of any documents that support your position. In addition to providing your complete name and address, your letter should identify each item in your report you dispute; state the facts and the reasons you dispute the information, and ask that it be removed or corrected. You may want to enclose a copy of your report, and circle the items in question. Send your letter by certified mail, “return receipt requested,” so you can document that the consumer reporting company received it. Keep copies of your dispute letter and enclosures.
Your letter may look something like the one below.

Sample Dispute Letter

Date
Your Name
Your Address,
City, State, Zip Code

Complaint Department
Name of Company
Address
City, State, Zip Code

Dear Sir or Madam:

I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received.

This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be deleted (or request another specific change) to correct the information.

Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents) supporting my position. Please investigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

Sincerely,
Your name

Enclosures: (List what you are enclosing.)

The above information courtesy of the : Federal Trade Commission

 




 
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