#IS THE OTC SMART CARD A DEBIT CARD HOW TO#
#IS THE OTC SMART CARD A DEBIT CARD ZIP#

If youвЂ™re trying to make an international purchase, or spend large amounts of money, your card could be flagged. Your card was flagged for suspicious activity.ДЇinancial institutions may simply be trying to protect you by declining the card.

Making sure you know what processer backs your card and how it should be used (chip/stripe).

Does your card have an EMV chip and/or a magnetic stripe? Make sure youвЂ™re using the payment method the point-of-sale machine or ATM is asking for. Double check that they accept VISA, MasterCard, American Express, etc. Not all ATMs and checkouts accept all types of cards.

Updating your personal information on your financial accounts.

Make sure youвЂ™re using the billing information the bank or credit union has on file for you. Online shopping checkouts ask if your billing and shipping address are the same.

#IS THE OTC SMART CARD A DEBIT CARD ZIP#

Some point-of-sale machines ask for a billing zip code. Other personal information youвЂ™ve entered doesnвЂ™t match bank records. Your card will be declined if you guess an incorrect PIN number one too many times. You will get a limited number of guesses before you are locked out of accessing your funds. YouвЂ™ve entered the wrong PIN number too many times. Contact your bank to reset your PIN number if you canвЂ™t remember it.If you donвЂ™t use your debit card very often, you may not remember the PIN number, and the card will be declined. ItвЂ™s meant to ensure the person who owns the checking account is using the card to withdraw cash or make a purchase. This 4-digit number is an added layer of security. YouвЂ™re entering the wrong personal identification (PIN) number.

#IS THE OTC SMART CARD A DEBIT CARD HOW TO#

Following the instructions on how to activate the card before attempting to use it.

You may have to call a specific phone number, or even make an ATM withdrawal before the card is activated. When you receive a debit card, it comes with instructions on how to activate the card.

If you plan to spend over that limit, call them in advance to have them allow the purchase to proceed.

Asking your financial institution what their daily spending limit is set at.

This is often done to protect the user from fraudulent purchases. This means they only let you spend up to a specific dollar amount or withdrawal only a specific dollar amount in a 24-hour period. Most banks and credit unions have specific limits imposed on their cards. You are exceeding your daily spending limit. Use your financial institutionвЂ™s overdraft protection service.Monitoring your account closely through online or mobile banking.WhenвЂ™s the last time you checked the balance in your checking account? If thereвЂ™s not enough money in the account to cover the purchase, the card will be declined. WeвЂ™ve compiled a list of the 9 top reasons your debit card could be declined, and how you can avoid this uncomfortable situation in the future. Why is my debit card declined? It can be frustrating and unnerving to try and use your debit card only to be told the transaction was denied. Janu| White Rose Credit Union | Financial Wellness For Dallastown Area High School Students.

Is the otc smart card a debit card