Perhaps the most cringe-worthy financial faux pas is having your credit card declined.
We've all been there. Here are common reasons why your card issuer would freeze you out.
The obvious reason for a nonfunctioning card could be that you hit your credit limit, and you're cut off. For the sake of your credit score, cap your balance below 30 percent of your limit.
If you're trying to make a splashy purchase, such as a flat-screen TV, you may trigger your card's fraud protection program. If you don't normally buy big-ticket items, alert your issuer ahead of your purchase so they know it's legit.
If you're traveling, make sure your card company is in on your travel plans, too. Otherwise, a purchase far from home could raise an alert and stall your card.
Lastly, if you've missed payments, you'll have to catch up before you can use your card again.