Ensure that you have given the correct information to the merchant. 

Also ensure that your card is not frozen (you can check this on your online account on the 'Cards’ page). 

If you are still unable to make a purchase please contact us on 0208 962 7401.


Please be sure to have the name of the merchant, the time and date of the transaction and finally the amount your card was declined for. 

Please note that we have a few restricted industries where your card will not work such as gambling merchants and financial intermediaries.