> ## Content Index > Fetch the complete content index at: https://darkwebinformer.com/llms.txt > Use this file to discover other available public pages before exploring further. # Guide - A Complete List Of Credit Card Declined Codes - URL: https://darkwebinformer.com/guide-a-complete-list-of-credit-card-declined-codes/ - Published: 2024-08-02T16:24:08.000Z - Updated: 2025-09-04T22:28:08.000Z - Author: Dark Web Informer - Tags: Guides This was originally found on Dread via: [http://g66ol3eb5ujdckzqqfmjsbpdjufmjd5nsgdipvxmsh7rckzlhywlzlqd\[.\]onion/post/f3d2b5274e305a7557ee](http://g66ol3eb5ujdckzqqfmjsbpdjufmjd5nsgdipvxmsh7rckzlhywlzlqd.onion/post/f3d2b5274e305a7557ee) This table includes a list of all credit card error codes and exactly what they mean. | Code | Label | Error Code Meaning | | ---------- | --------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | 01 | Refer to issuer | The issuing bank (Mastercard, Visa, Discovery, etc.) prevented the transaction without a specific reason. | | 02 | Refer to issuer (special condition) | The issuing bank prevented the transaction (similar to code 01). | | 04 | Pick up card, hold call (no fraud implied) | The victim bank prevented the transaction and is also telling the merchant to hold the card. This doesn't imply fraud, but rather overdrawn cards or expired ones. | | 05 | Do not honor | The victim bank stopped the transaction and told the merchant to "not honor" the card (not to accept payment). | | 06 | Other error | The issuing bank can't specify the error, but something went wrong with the transaction. | | 07 | Pick up card, special condition (fraudulent) | The victim bank stopped the transaction because the card or bank account has been flagged as fraudulent. | | 10 | Partial approval | The issuing bank accepts a part of the payment but blocks the rest, typically due to exceeding the credit limit or funds in the account. | | 12 | Invalid transaction | The transaction attempted is invalid. This could be due to any number of faulty operations, including trying to refund a refund. | | 13 | Invalid amount | The amount you entered for the transaction was invalid, usually due to a non-numerical symbol being entered along with the amount. | | 14 | Invalid card number | The card number is invalid, and the card processor can't find the related account. | | 15 | No such issuer | The first digit, which identifies the card's issuing bank, was incorrect. (Credit card-issuing banks have their own unique code that starts with the first digit — 3 for American Express, 4 for Visa, 5 for Mastercard, or 6 for Discover.) | | 19 | Re-enter | An unknown error occurred. | | 28 | No reply/response | An error occurred during the transaction without the reason specified. | | 41 | Lost card, pick up | The victim has reported it lost or stolen, so the card issuer has denied the transaction. | | 43 | Stolen card, pick up (fraud account) | The victim has reported it as stolen, so the card issuer denied the transaction. | | 51 | Insufficient funds | The card issuer is blocking the transaction because the account has already exceeded the credit limit, or the pending transaction would put the card over. | | 54 | Expired card | The expiration date has already passed. | | 57 | Transaction not permitted - Card | This code shows up when you’re trying to use a card for a transaction that’s specifically not allowed, like transferring funds to a foreign merchant account. | | 58 | Transaction not permitted - Terminal | If the merchant account connected to the terminal or payment processor is not properly configured, you’ll see this error. | | 62 | Invalid service code, restricted | The invalid service code can refer to two specific situations: 1: You’re trying to process an American Express or Discover card, but the system doesn’t support those card issuers. 2: You tried to pay for an online purchase with a card that doesn’t support online payments. | | 63 | Security violation | The three-digit CVV2 or CVC or the four-digit CID security code was incorrect. | | 65 | Activity limit exceeded | The credit card user has exceeded the credit limit (or this transaction would put them over). | | 85 | Issuer system unavailable | This error code shows up when there’s a temporary communication error between the merchant and the issuing bank. | | 85 | No reason to decline | The issuing bank can’t identify a specific problem, but the transaction still didn’t go through. | | 91 | Issuer or switch is unavailable | The terminal or payment processor was unable to complete the payment authorization. | | 92 | Unable to route transaction | The terminal cannot reach the card issuer to process the transaction. | | 93 | Violation, cannot complete | The issuing bank has recognized (or has been informed of) a legal violation on the part of the credit card user, and assets have been frozen. | | 96 | System error | There’s a temporary issue with the payment processor. | | RO or R1 | Victim requested stop of specific recurring payment | The victim has specifically asked to stop the recurring payment you’re trying to process. | | CV | Card type verification error | The card reader had a problem verifying the card. This could be an issue with the microchip or the magnet strip. | | W1, W2, W9 | Error connecting to bank | This can happen because of a power outage or service outage. |