Debit Card Not Available Code and the Reasons for It

Introduction 

Now, there are many individuals who have this common query, when using the debit card, that why their card is declined? It can be a pretty thwarting thing, if you try using your debit card and know that, the transaction was rejected/denied. There can be several reasons for debit not available code 05, including the insufficient funds in the account and exceeding the daily limit. So, when was the last time you checked your balance in the checking account/savings account? If you don’t have sufficient funds in the account to make the purchase, then the card will be denied or declined. You can avoid this situation by monitoring or managing your account closely through mobile banking, online services like WhatsApp or short-service-messages. Also, you can use your fiscal institutions overdraft protection services.

Exceeding the Spending Limit and Inactivated Card 

There are many banks and also credit unions that have some special limits implemented or imposed on the cards. It means that they only allow you to spend up to a certain dollar amount or withdrawal only a specific dollar of amount in a 24-hour period. This is mots of the time done to secure the users from fraud purchases. Things that you should avoid- asking your fiscal institution about their daily spending limit and what it is set at. Besides all of that, if you plan to spend on that limit, then, call them in advance to have them permitted the purchase to proceed. Next, reason is that, the card is inactive. When you get a debit card and it comes to instructions on how you will activate the card, you may be required to call a specific phone number or even make an ATM withdrawal prior to the card is activated.

Avoiding Certain Mistakes and Entering the Wrong PIN 

The first and the foremost thing, that you ought to do is follow the instructions on how to activate your card and prior to attempting to use it. It can be possible that you are entering the wrong PIN. The 4-digit number which is an added layer of security is meant to make sure that the person who owns the savings or checking account is using the card to withdraw cash or create a purchase. If you do not use the debit card often, then you may not remember the PIN number and the card will be denied or declined. You can avoid this mistake by remembering your PIN properly, by contacting the bank and resetting your PIN number, if you cannot remember it. Also, it is possible that you have entered the wrong PIN too many times and this must have blocked your card. Besides all of that, you get a limited number of guesses prior to you are locked out of using your funds. Your card can get declined if you put an incorrect PIN number too many times. Avoid this by remembering the PIN.