We know how frustrating it can be when your card transaction is declined. To help you troubleshoot, here are a few tips:

1. Ensure your card is activated.

2. Check if there are any spending restrictions set by your company admin.

3. Confirm that your card is not frozen.

Additionally, look for any email notifications from Cregis regarding the transaction. If you receive one, it will include the reason for the decline.Common Decline Messages:

• Insufficient Funds

Your Cregis Card's total or sub-card balance is insufficient to cover the transaction. Please check your card balance on the dashboard before attempting a large transaction.

• EH Timeout:

The payment processing took longer than expected. Please try the transaction again in 15 minutes.Troubleshooting Failed Transactions Without Email NotificationsSometimes, your vendor may reject the card transaction before it reaches our system. Consequently, you might not receive email notifications or see the transaction record on your dashboard.Here are some methods to help you proceed:

1. Remove Autofill: Some browsers save your credit card information and auto-fill it during checkout. However, certain vendors might reject transactions if the card number is auto-filled. Whenever possible, manually enter the card number and details.

2. VPN Connection: If your device is connected to a Virtual Private Network (VPN), it might interfere with the transaction. Try turning off the VPN and retrying the transaction.

By following these steps, you may resolve the issue and complete your transaction successfully.

The "confirming" status means that the card provider has not yet settled with the merchant. Since each merchant's agreement with the card provider varies, sometimes it may take longer to confirm. Generally, the settlement time should not exceed 30 business days.

There are no daily limits for your Cregis card. If you encounter any problem during transaction, please feel free to reach our customer service at [email protected].

If you suspect that a fraudulent transaction has occurred on your account, it is important to report it immediately to our customer service team at [email protected]. The information and evidence you provide here will serve as crucial documentation to substantiate your dispute and it is necessary for us to proceed with the case.

1. Transaction Details

   1. Order Number

   2. Transaction time

   3. Transaction amount

   4. Merchant name

   5. Product Name

2. Cardholder Information

   1. Cardholder registered email

   2. Full name of the cardholder

   3. Billing address

3. Card Details

   1. Card number (last 4 digits)

   2. Expiration date

4. Dispute Reason

   1. Provide a clear and detailed explanation of the reason for the dispute (e.g., unauthorized transaction, billing error, non-receipt of goods/services, etc.):

5. Supporting Documentation

   1. Any evidence supporting the dispute claim (e.g., receipts, invoices, emails, shipping/tracking information, proof of cancellation, etc.):

6. Communication with Merchant:

   1. Documentation of attempts to resolve the issue directly with the merchant (e.g., emails, letters, chat logs, etc.)

7. Statement or Transaction History:

   1. A copy of the credit card statement or transaction history showing the disputed transaction.

8. Police Report or Affidavit (if applicable):

9. Timeline of Events:

   1. A clear and chronological timeline of the events leading up to the dispute.

Once we have received the required information, our dedicated team will thoroughly review the case. After validating the dispute request from cardholders, we will initiate the dispute process with the Visa/ Master promptly.