When a credit card is declined, there can be various reasons behind it. Some common reasons include:
Exceeding credit limit: If you have reached your credit card's limit or attempted to make a purchase that exceeds your available credit, your card is likely to be declined.
Suspected fraud: If a transaction appears out of the ordinary, it might trigger the card issuer's fraud detection system. Some banks need to verify high amount payments, so please contact your bank for the support.
Wrong data: be sure that the ZIP code you enter at the billing address field is the same as your card's registered billing address.
Fast solution: If you're sure there are sufficient funds and all the data is correct, contact your bank to approve the transaction. Online transactions involving high amounts often require additional approval from the cardholder. This measure is in place to prevent fraud.