debit card declined imageQ: I recently tried to make an online purchase with my TD Bank debit card but it was rejected, twice. It is not a new card and there is a balance in the account. Why is my card getting declined when shopping on the Internet?– Patrick W.

A: There are several possible reasons your debit card was denied.

One reason is that you’ve already hit the daily spending limit on your debit card. Banks place daily spending limits on debit cards to minimize the financial harm that can be done to your finances if your debit card is lost or stolen.

On signature transactions (the type that often takes place with online purchases), TD Bank places a $5,000 daily spending limit on a regular Visa debit card or $10,000 on a Visa Platinum debit card. TD Bank customers are allowed to increase their daily spending limits by submitting a request over the phone or by secure messaging through online banking.

However, unless you’ve spent that much already during the day, this probably isn’t the reason that your debit card was declined.

On the other hand, it is quite common to have any card purchase rejected when the card issuer suspects an unauthorized purchase. It is a simple security measure that kicks in automatically when a purchase is unusually large or takes place at a location that is far from your place of residence.

A call to the card issuer will lift the security block temporarily.

In the most extreme scenario, your checking account was frozen without notice. There are various reasons for why the bank would do that. If your account had noticeable fraud or highly suspicious activity, the bank is likely to take such a drastic action.

Again, you’d have to contact your bank if this is the case.


4 Reasons Why Your Credit Card Company Thinks Your Card Is Stolen

Related Stories:

Simon Says: Your Bank Account Was Labeled ‘Abandoned’

Losing Free Checking? Online Banks Offer Alternatives

When the ATM Ate My Debit Card In Hong Kong

Did you enjoy this article? Yes No
Oops! What was wrong? Please let us know.

Ask a Question

  • Jack

    Thanks! Realized that it was because of the purchase happening unusually far away from where I live. I’m visiting California, but I live in North Carolina. All sorted out now, thanks again.

    • Simon Zhen

      Glad you didn’t find it too much of an inconvenience when your card was declined. If you want to avoid this situation ahead of time, you can give your card issuer before traveling — so they already know not to flag your transaction in the first place.

  • Andrew

    My debit card was declined when I tried to pay for lunch because I used it to buy a T-shirt from the Britney Store because they thought I bought something for Britney herself. I can’t believe I got declined just because bought something from a store with Britney’s name on it.

    • Simon Zhen

      Was the store somewhat far from your place of residence? Your bank probably thought that the purchases was unusual for your spending habits and decided to put a fraud hold on it. I doubt the reason was specifically related to the store’s name.

  • A Drunk Ghoul

    This makes no sense I have money in my bank and haven’t bought a single item in days. I decided to buy a graphing calculator but it was rejected…..

    • Simon Zhen

      Call the number on the back of your debit card to find out why your card was rejected when you tried to use it.

      • A Drunk Ghoul

        Yea I called them and they told me everything is fine. But it’s just for some reason I can’t purchase anything on ebay but I can on other sites

  • Alyssa

    So, i tried to buy some clothes online, though my card got declined. I tried another store online and the same thing happened. I then went to the bank to see what was wrong though they said it was perfectly fine and they raised my spending limit to $500. The item i wanted to buy is only $10 so i dont get why the card is still getting declined. My card is from TD and is a visa debit card. Please HELPPPP.

    • Simon Zhen

      That’s a tough problem to resolve given that even TD Bank said that there should be no issue with your debit card. One other possibility would be that you made other transactions during a certain period of time to come close to your limit — so much so that even a $10 purchase would put you over the limit.

  • John Raymond Skurkay

    These Fraud Protection idiots do me nothing but harm and no good I wish I could get rid of them, things were much safer for me without them they have left me stranded several times!