Does Declined Credit Card Transaction Affect Your Credit Score?
ByAinvest
Friday, Jul 11, 2025 9:00 pm ET1min read
Getting your credit card declined does not directly hurt your credit score. However, the reasons for the decline, such as suspected fraud, reaching your credit limit, or being behind on payments, can negatively impact your credit score. Credit card issuers may decline transactions as a precautionary measure to protect your account, but it's essential to address any underlying issues to maintain a healthy credit score.
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