When I went to use my credit card the store told me the charge was not “authorized.” What does that mean? What can I do?

Answer: If a charge is not authorized, it usually means that there is a problem with the account or that you are at, near, or over your credit limit.

Usually, when you use your credit card at a store the merchant obtains authorization from the card issuer. This authorization tells the merchant that your account is valid and that sufficient credit is available to cover the purchase.

If a charge is not authorized, it usually means that there is a problem with the account or that you are at, near, or over your credit limit. However, sometimes the merchant is unable to connect with your card issuer because of a technological glitch. You should call the card issuer to find out the reason the charge was not authorized.

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