Why was my credit card payment via USCe.pay declined when I had credit available to cover the payment amount?

Large credit card payments may be declined, even though you have sufficient credit available, if the amount is outside of your normal spending pattern.

To resolve this problem, contact your credit card institution in advance of your payment and authorize them to allow a payment request from USC.
International credit cards may be declined because the issuing bank frequently requires a phone call for verbal confirmation of ID before the amount can be authorized.

If you would like to use a credit card drawn off an international bank please make sure your bank is aware of the pending charge. USC receives "not approved" on payments made using international credit cards at a much higher frequency than on credit cards drawn on U.S. banks. This is typically because the foreign bank is not aware that you are attending a U.S. school and may consider the charge and the dollar amount to be potential fraud.

Although credit card payments submitted online or by phone may appear to have been approved, your bank may still decline the transaction (usually within 2 business days). Please be sure to allow ample time for payments to be processed by the date payment is due.

Categories: e.Pay (USCe.pay), Past Due Balances, Payments, International Students