 TITLE: Why Is My Credit Card Being Declined? CONTENT: 2\\. Your Purchase Was Flagged as Fraud\n--------------------------------------\nBecause credit card fraud is the most common type of identity theft, card issuers are constantly on the lookout for suspicious activity. While a legitimate purchase being flagged as potential fraud can be annoying in the moment, it can ultimately protect you. If identity theft goes undetected, someone could steal and sell your personal information and run up significant charges on your card.\nWhen your card is declined and you know you have plenty of available credit, call the phone number on the back of the card. A representative should be able to lift any freezes the issuer put in place.\nIf you're planning to travel abroad, call your card issuer ahead of time and let them know. They can add a note to your account so you're less likely to get declined while you're away. However, it's smart to carry backup cards or other forms of payment when you travel internationally.\nWhen possible, consider using a card with an EMV chip, a contactless card or a mobile wallet for payments. EMV chips tend to be more secure than magnetic swiping strips, though they can still be copied by fraudsters. Contactless and mobile payments lower the risk that the card data will be copied or that the card itself will be stolen.\nStill, it's helpful to review your transaction history every few days to check for unauthorized purchases. You also may be able to set up text alerts or smartphone notifications for every purchase, or purchases over a certain amount, charged to your card.\nIf you see purchases you didn't make or authorize, contact your credit card issuer right away. They can reverse the charge and send you a new card. Changing your passwords and PINs for online accounts can prevent further fraudulent activity. END