# Common Card Issues

### Here's an overview of common issues that cardholders may encounter:

* **Fraudulent Charges:** One of the most prevalent issues faced by cardholders is fraudulent activity, where unauthorized transactions are made on their card. This can occur due to various factors such as card skimming, phishing scams, or data breaches.
* **Lost or Stolen Cards:** Misplacing a card or having it stolen can lead to unauthorized use and potential financial loss. Promptly reporting lost or stolen cards to our [customer experience team](/smart-custody/contact-our-experts.md) is crucial to minimize the risk of fraud.
* **Transaction Errors:** Cardholders may encounter errors in their transactions, such as incorrect amounts or failed payments. These errors can occur due to technical glitches, merchant processing issues, or communication errors.
* **Card Declines:** Instances where a card transaction is declined, despite sufficient funds or credit limit, can be frustrating for cardholders. Common reasons for card declines include insufficient funds, exceeded transaction limits, or suspicion of fraudulent activity.
* **ATM Withdrawal Issues:** Problems with ATM withdrawals, such as malfunctioning machines, transaction errors, or ATM fees, can inconvenience cardholders and disrupt their access to cash.
* **Card Expiration and Renewal:** Cardholders need to be aware of their card's expiration date and ensure timely renewal to avoid interruptions in service. Failure to renew a card promptly can result in declined transactions and inconvenience.
* **Foreign Transaction Fees:** Using cards for international transactions may incur foreign transaction fees, currency conversion charges, and other additional costs. Cardholders should be aware of these fees and plan accordingly when traveling.

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Need assistance? Contact our Experts [here](/smart-custody/contact-our-experts.md).
{% endhint %}


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