> ## Documentation Index
> Fetch the complete documentation index at: https://docs.treasuryprime.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Card Declines

> Declined card transactions are represented as [Card Events](/reference/card-events) with a `status` of `declined`. Card events in this status will contain a value in the `decline_reason` field which outlines the reason the transaction was declined. The example below shows a card event that was declined due to “Card Not Active.”

### Example Card Decline

<CodeGroup>
  ```bash bash theme={null}
  {
    "message_type": "auth-request",
    "card_id": "card_09876543421",
    "amount": "10.00",
    "currency": "USD",
    "status": "denied",
    "decline_reason": "Card Not Active",
    "network": "mastercard",
    "network_created_at": "2017-11-02T11:55:09Z",
    "processor": "marqeta",
    "id": "cnm_2345678901",
    "created_at": "2017-11-02T11:55:14Z",
    "updated_at": "2017-11-02T11:55:14Z",
    "merchant": {
      "name": "A VENDOR NAME",
      "mid": "0123456789",
      "mcc": "0000",
      "address": {
        "city": "EDGEWATER",
        "state": "NJ",
        "postal_code": "07020",
        "country": "USA"
      }
    }
  }
  ```
</CodeGroup>

## Common Decline Reasons

There are a large number of reasons a card authorization might be declined by the network, the issuer, or by your application logic. Below are some of the more common card decline reasons that you may encounter:

| Decline Reason                                        | Description                                                                                                                  |
| ----------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------- |
| Denied By Card Controls: Blocked Merchant             | This merchant is blocked by the current card control configuration.                                                          |
| Denied By Card Controls: ATM Withdrawal Limit Reached | The ATM withdrawal limit defined by the card controls for this card have been reached.                                       |
| Denied By Card Controls: Usage Limit Reached          | The usage limits defined by the card controls for this card have been reached.                                               |
| AVS Decline                                           | The address information submitted for the transaction failed AVS verification.                                               |
| AVS No Info                                           | The address information submitted for the transaction failed AVS verification.                                               |
| Card Auth Loop Endpoint Denied Request                | This transaction was denied by a 402 response received from the Card Auth Loop Endpoint (your application logic).            |
| Card Not Active                                       | This card has not yet been activated.                                                                                        |
| Card Expired                                          | This card has expired.                                                                                                       |
| Card Suspended                                        | This card is currently suspended and will need to be reactivated before it can be used.                                      |
| Card Expiration Mismatch                              | The card expiration date provided does not match the expiration data for this card.                                          |
| Fraud Decline                                         | This transaction has been decline due to suspected fraudulent activity.                                                      |
| Incorrect PIN                                         | The PINs provided does not match the PIN for this card.                                                                      |
| Invalid CID                                           | The CID provided does not match the CID assigned to this card.                                                               |
| Invalid CVV                                           | The CVV provided does not match the CVV assigned to this card.                                                               |
| Issuer Timeout                                        | The card network did not receive a response from the issuer within the specified timeframe and has declined the transaction. |
| Network Decline                                       | The card network has declined this transaction.                                                                              |
| Transaction Not Permitted                             | The card is not configured to support the transaction being attempted.                                                       |
| NSF                                                   | Non-Sufficient Funds: The user's available balance is insufficient to cover the transaction.                                 |