Why are my purchase transactions being declined?

Your Reward Card will not work until you activate it, or if it has expired, or if your available balance will not cover the purchase. The merchant will not know your available balance; you will need to check it yourself. Also, a tip may have been added as a temporary charge from a restaurant, spa or salon purchase. Be sure that you are using your Reward Card as outlined in your Cardholder Agreement, or it will be declined.