Is your CIBC debit card not working?
Is CIBC debit card tap not working?
Are you not able to use CIBC debit card online?
If you are having trouble using CIBC debit card, you have landed on the right place.
This post explains all you need to know about Why CIBC debit card may not work for you can and what you can do to fix it.
So, let’s get started.
Why is my CIBC debit card not working?
Your CIBC debit card may not work because of several reasons such as you have not activated the card, your daily transaction limit has been reached, you do not have sufficient funds to cover the payment, you are entering incorrect credentials, your card isn’t enabled for online or international transactions, the card is itself damaged, or the retailer where you are using the card doesn’t accept Visa card, etc.
Below, we have explained all the possible reasons why your CIBC debit card may get declined or do not work:
1. Your card isn’t activated
If you have recently ordered or got a new CIBC debit card and started using is directly, and it is not working or getting declined than the reason is that you haven’t activated the card.
Most debit and credit cards have to be activated before you can use them.
To activate the card, you can call your bank, visit the ATM, or activate it through internet banking.
Also, some card needs to be activated separately for online transactions.
This means even if your card is working in brick and mortar stores, it might not work online because online transactions are not activated or enabled yet.
So, make sure to activate your card for online transactions by logging into your net banking.
2. Transaction limit reached
Whether it be a debit card or credit card, every card has a transaction limit associated with it.
This limit is different for different types of transactions such as shopping, online transactions, contactless card transactions, international transfer limit, etc.
So, if you are using your CIBC debit card for a transaction that exceeds the transaction limit, the card will get declined or will not work.
You can set or adjust the transaction limits for each type of payment by logging into your CIBC online banking or mobile banking.
3. Insufficient balance
If your CIBC card do not have sufficient funds to cover the transactions, it could be the reason it’s not working
Even if you have more than enough money in your account to cover the transaction, there are a number of reasons that you don’t have access to all of your funds. For example, if you recently deposited a check, all the funds may not be immediately available to you.
Another possibility is that certain transactions are not immediately closed out. Common ones include restaurant checks, gas station fuel dispensers, hotel check-ins, and rental vehicles.
A hold is placed on the funds in your account for the estimated amount of the total transaction or a fixed amount to cover the largest typical transaction.
4. Wrong pin
Moving forward, another reason for the card getting declined or not working could be the wrong credentials.
If you are using the card at an ATM, you might be entering the wrong pin, and that’s why it is getting declined.
If you are using it online or at a place where the card details such as its 16-digit number, CVV number, cardholder name, and other details as asked, you might be entering any of these details wrong.
Entering the wrong pin multiple times (usually three or more) can also the trigger the card to get temporarily frozen.
So, make sure you enter the correct details, especially the 16-digit number and the cardholder name (the name associated with the card, not your nickname or anything)
If you do not remember the pin than rather than entering wrong pins it’s better to set a new pin.
5. Card not enabled for online transactions
If your CIBC debit is not working online, the reason could be you haven’t enabled the card for online transactions.
This usually happens with the users who get the new debit card. By default, most banks keep the online transactions disabled for security reasons.
So, if that the case, login to your online banking and check the online transfer settings or contact your bank.
6. The retailer does not accept Visa Debit cards
Moving forward, another reason of CIBC card getting declined could be that the retailer where you are using your card does not accept Visa debit cards.
CIBC debit card as accepted almost everywhere, but there are still some retailer that do not accept Visa debit card, and that could be the reason your CIBC card is not working as it a Visa powered debit card.
7. Server issues
Moving on, another reason the CIBC debit card is not working or getting declined could be the server issues.
It’s always a good idea to confirm whether the issue lies from your end or the client’s side.
If the servers of the CIBC are down or having trouble, there isn’t much you can do to rather than waiting till the servers get fixed or contacting the support channels.
That being said, you can check the server status of CIBC online for free.
We would suggest visiting the downdetector page for CIBC. Here, check the number of reports and users comments. If these are in significant numbers, it means the servers are having issues.
In this case you would like to use your card till the servers get restored.
If the servers are working, there could be other reason of the card getting declined.
8. Card is expired
Every type of card whether it is a debit card or credit has an expiry date associated with it.
So, if you are CIBC debit card is not working, the reason could be that the card is expired.
Most of the cards have their expiry date printed on them, so check that your card hasn’t expired.
Your bank also notifies you via SMS or email when your card is going to expire.
To request a replacement card with a new expiry date, visit any CIBC Banking Centre or call CIBC Telephone Banking.
9. Suspected fraud
Another reason your CIBC card not working could be that bank might have been detected your transaction as a suspicious one.
In some types of transfer and transactions, banks set a security measure that prevents your card from being misused online.
So when you enter your card details on websites, your card prevents you from carrying out the transaction.
So you are required to contact your bank and verify that you are yourself authorizing the transaction. Then the transaction is processed.
10. International transactions are disabled
If you are using your debit card for international transactions such as purchasing any software or product from a website or store that isn’t located in your country or sending to someone abroad using PayPal, and your card isn’t working then the reason could be your card is disabled for international transactions.
So, enable the international transactions by logging to your net banking or contacting your CIBC support.
11. Card itself is damaged
Lastly, the reason why CIBC debit card is not working when you are using it with a swipe machine is that the card itself is damaged.
Debit/credit card consists of microchips. These chips contain all your data; your card will not work if it gets damaged.
High temperature, corrosive chemicals, and high magnetic fields are some of the factors that can affect the card’s microchip.
To request a replacement card with visit any CIBC Banking Center or call CIBC Telephone Banking.
So, that’s all for now my friends. I hope after reading this post, you were able to figure out why your CIBC debit card was getting declined or not working.