Why was my credit card declined?

You can see the reason in the Novo app:

1. Go to Activity
2. Choose the declined transaction
3. Check the Status section

Common reasons:
Insufficient funds – Your available balance is lower than the purchase amount
Unusual activity – The transaction was flagged; log in and confirm it’s you
Card is deactivated – The card has been closed
Card is frozen – Either you froze it or there’s a pending alert
Account not active – Your account isn’t in an active state
Network issue – The bank network couldn’t be reached
Merchant issue – The business couldn’t process the transaction
Exceeded daily limit – You’ve hit your daily spending limit
Billing address mismatch – The ZIP code doesn’t match your business address

If you still need help, contact Support online or in the app.