State Bank of India or SBI is the largest public sector bank that provides its services to even remote places in India. It provides credit cards as well through its subsidiary SBI Cards. SBI card is completely dedicated to credit card services. If you use an SBI credit card and if you have experienced transaction declined anytime, read this article completely. Here we will discuss How to Fix the Issue “SBI Credit Card Payment Failed”?
We will try to explore the reason responsible for transaction failure or payment failure while performing any transaction using an SBI credit card.
Let’s start with the meaning of transaction failure or declined…
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What is Transaction Declined or Payment Failed in Credit Card?
In simple terms, it means when you are using your credit card to purchase anything online and because of any issue your transaction did not succeed that is called transaction declined.
Also, you can elaborate as “A Declined transaction or payment failed refers to the failing of a credit card that is being used as a payment method at the moment”.
It also means the card issuer is unable or unwilling to provide authorization on the cardholder’s account due to any issues.
For Example – you are purchasing anything from an online store using your credit card, you entered credit card details, however, when you are in the final stage of the process you get a message on the screen saying your transaction declined or Payment failed.
How to Fix the Issue “SBI Credit Card Payment Failed”
There can be a number of reasons why the SBI credit card payment got failed. We will cover the scenarios with solutions that can be helpful to fix the payment failed issue in credit card.
Solution 1: Check your SBI Transaction Settings
This is the most important reason behind transaction failure who got their credit card recently. follow the steps below to check the settings if is correct.
- Login to the SBI Card Mobile Banking App using 4 digit MPIN or fingerprint.
- On the home screen click on three parallel lines on the top left hand side and choose the option Manage Card Usage.
- On the next screen you will able to see the detail of your cards. Select the card for which transaction is getting failed.
- The selected card details will appear on the next screen. If you have only one card by default it will show that card details only.
- Under Manage Card Usage you will see Transactin Settings. you will also see two option Domestic Transactions and International Transactions.
- If your domestic transaction is getting declined click on the Domestic Transactions Tab and check the settings, make sure to turn on the settings you need. for example – if your are getting transaction failed error while withdrawing money from ATM, turn on ATM Withdrawal setting. similarly if your Merchant Outlet or Online transaction is failing , turn it ON.
- If your International transaction is getting declined click on the International Transactions Tab and check the settings, make sure turn on the settings you need. for example – if your are getting transaction failed error while withdrawing money from ATM, turn on ATM Withdrawal setting. similarly if your Merchant Outlet or Online transaction is failing turn it ON.
- Once you modify the settings , click on the Apply button.
- An OTP will be sent to your registered mobile number. Enter the OTP and click on the Submit button
- Once your OTP is validated successfully, you will see successfull message on the screen with service request number. you too will get an SMS to your registered mobile number about this update.
By following the above process you can check your SBI credit card transactions settings and fix the issue.
Solution 2: Exhausted Credit Card Limit
You might not notice if you are not checking your card limit on a regular basis but you already have exhausted your credit card limit, resulting in transaction failure.
Once the transaction is declined check your card limit and if you have already consumed your limit, pay your bill or use another credit card.
Solution 3: Check your internet Connection
We come across sometimes that the internet is very slow or the internet is not working at all. In that case transaction process will be timed out and your transaction will be declined.
Wait for the network to restore and then use your credit card. it will allow you for sure.
Solution 4: Bank Server is not Responding
Due to an overload of service requests on a particular bank at some point in time, you may get this error and your credit card transaction will be declined.
Be patient and wait for some time and then try again.it will allow you to use your card. you can even call your respective bank if this error keeps coming.
Solution 5: Check Your Card Number
While entering the card number, do not be in hurry. take your time and enter the correct card details along with the right card expiry date & CVV number.
Solution 6: Activate SBI Credit Card
This happens mainly for the newbie credit card user who got an SBI credit card recently. Make sure to generate your credit card PIN or activate your SBI credit card before using it.
Once your credit card is activated you can use it at any place for online purchase.
Solution 7: Contact Customer Care
You can also call customer care to check if there is any technical issue with the credit card or with the bank which is causing this. they will check and let you know about this.
SBI Credit Card Customer care number- 1860 500 1290, 1860 180 1290, 39 02 02 02 (Prefix local the STD code) or 1800 180 1290 (toll free).
Conclusion
In this article, you have learned How to Fix the Issue “SBI Credit Card Payment Failed”. You can give it a try by going through all the above methods to solve this. we will try to look for more scenarios and ways to fix this.
In case if you still have an issue with transactions put your queries in the comment section below. I will try my best to answer them.
FAQs
SBI Credit Card Customer care number- 1860 500 1290, 1860 180 1290, 39 02 02 02 (Prefix local the STD code) or 1800 180 1290 (toll free).
To escalate your query call = 1860-180-7777
You might not notice if you are not checking your card limit on a regular basis but you already have exhausted your credit card limit, resulting in transaction failure.
