It provides financial, travel, and insurance services by providing facilities in the form of charge cards, credit cards, Corporate banking, and Traveler’s Cheques. 

American Express currently holds 2.9% of the total dollar volume which is approximately 54.9 million domestic credit cards in the United States. And if we talk globally then it has 121.7 million cards as per the research of the year 2021. 

In this blog, we will discuss the issues of why after the American Express Login your credit card was declined.

Reasons for Declining Credit Card 

• Traveling outside the state or country

If you are traveling outside the country and making any online transaction after American Express Login but are unable to do so then it might be because your bank is assuming that your card has been stolen. Someone has unauthorized access to it so the bank immediately marks it as a fraudulent transaction. It may feel frustrating but it is just for your safety. So before you go on any travel confirm with your bank whether they need any details regarding this matter or not.

• An uncommon Transaction was made

If you suddenly spend a large amount of money from your account which is not normal for you then the bank will not allow the transaction to pass before confirming your identity. The bank may confirm your identity immediately either by call, text message, or email if you confirm it your transaction will proceed immediately. And if do not wish to face this kind of disturbance then you should make your bank aware beforehand of these transactions.

• Incorrect Information

While making an online payment it will ask for your credit or debit card information. And at the time of entering your account number or any other detail, it might be possible that you have entered some wrong information. If your payment was declined, then check your entered information and make sure it is valid. 

• Expired Card

If you have purchased a new card this is your first transaction from the card then, and there is a high chance that your card has yet not been activated for use. After getting a new card you have to either call the number that is mentioned on the card or sign up for online banking for the activation. 

• Credit Limit

Sometimes if there is a low balance in your account and it is near your credit limit then the bank may decline your transaction to maintain that limit of your card. For example, if the limit of your credit card is $7000, the balance is $6800 and you make a purchase of $400 then the bank will not pass the transaction. 

Bottom Line

In this blog, we discussed if after American Express login you are not able to use your card then what might be the reasons for it? Therefore, try to solve them if your transaction is facing any issues from any of the above-mentioned reasons then try to solve them.