Why was my credit card declined, and why does my statement say, "payment pending”?
The main reason for declined credit card transactions, other than insufficient funds, is incorrect billing address information. To protect ourselves and our customers from theft and fraud our bank requires billing address verification, which includes street address and the postal code (zip code) as well as the 3 digit security code printed on the back of the card, which should match what is entered into the “CVV” field on your order form. If your card has been declined, you can rest assured that your credit card has NOT been charged. A "payment pending" charge may show up on your bank or credit card company's records for a day or two, but no actual funds have been, or will be, transferred.