Credit cards, an alternative method of payment for online shopping, can sometimes result in incomplete transactions. The consumer may want to complete the transaction by selecting the credit card option when they are directed to the payment screen after adding the products they wish to buy to the basket.
However, it may receive warnings that the transaction is unsuccessful or the payment failed, although the card information is correct. In this case, we have to share what the consumer should do and the reasons for not shopping online.
If you enter your credit card information correctly but you cannot pay for the product you want to buy over the internet, there may be 4 different reasons for this.
Your Credit Card is Closed to Internet Shopping
There are approximately 176 million credit cards and debit cards in our country. Some banks offer their cards to the customer and send them open for internet shopping. Some banks to consumers who want the credit card, the card delivers a way off the virtual shopping. In order to use these cards in virtual stores, they must be opened for internet shopping.
In addition, with the official decisions taken recently, it was announced that all cards will be produced in a way that is closed to internet shopping. So if you’re having trouble paying in virtual stores, it may be because your credit card is closed to online shopping. In such a case, you should call your customer service or go to your bank’s branch to open your card for virtual shopping. You can also open your credit card for internet shopping at the internet branch or mobile branch.
No Credit Balance Available
You cannot complete your payment unless your card has enough funds left. This is a problem that consumers often experience during online shopping. This is because when consumers want to purchase services or products from the internet, they often don’t check the available balance of the card. Accordingly, payment may not be realized due to insufficient funds remaining during the purchase transactions.
It is also available to users who confuse the card’s limit and available balance. The limit of your card is the limit defined by the bank you are a customer to your credit card. The available balance is the term that indicates how much of the card’s limit you can use. Naturally, you have the right to trade as much as your available balance for the period, not as much as your card limit.
You may have confused these two terms and may not be able to shop online because of insufficient funds available. In this case, you can increase the limit of your card or pay the card to get enough balance.
Your Credit Card May Be Blocked
Blocking your card for various reasons may prevent you from shopping online. Your card may be blocked after a 90-day period has elapsed, especially if you forgot to pay your debts as a result of irregular expenses.
If you have not received any notice, we advise you to go to the nearest bank branch. Because the card is blocked, it means that the card is turned off for use.
You can open your card for online shopping by paying your outstanding debts after a meeting with the bank. If you need to give an estimated time for this process, we can say that your credit card will be available within 24 hours…
3D Secure Password may not be on your phone
Finally, one of the reasons why I couldn’t shop on the internet with my credit card is that the 3D secure password does not come. Since the 3D secure payment screen is a screen of the related bank, the virtual store you are trying to exchange cannot intervene in the problems that occur on this screen.
Therefore, if you try to purchase products or services online, you should contact the bank if the 3D secure password is not sent to your mobile phone as a message. You can get help from the customer service of the bank regarding the problems you experience on the 3D secure screen.