Root Cause

• Card pending activation: The card has been issued but has not yet been activated for use.

• Card pending deactivation or replacement: The card is scheduled for deactivation, possibly due to reissuance or reported issues.

• Temporary hold on the card: The issuing bank has placed a temporary restriction while processing updates to the card's status.

• Account maintenance or verification in progress: The cardholder's account is undergoing updates or verification, affecting card usability.

• Limit exceeded: The card could have exceeded the purchase limit in a given period of time.

Troubleshooting and Solutions

• Advise the customer to contact their card issuer's customer service to verify and resolve the card's activation status.

• Recommend using an alternate payment method if the issue cannot be immediately resolved.

• Retry the transaction after the card status is confirmed as active and authorized for transactions.

• Clearly inform the customer that transactions cannot proceed until the card's transitional state is resolved.

• Encourage the customer to check if they have received a replacement card and ensure it is properly activated.