The credit card decline code “01: Refer to Issuer” indicates that the transaction was not approved and the merchant should contact the card issuer for more information. This code is a generic response suggesting that the card issuer (the bank or financial institution that issued the credit card) needs to be consulted to understand the specific reason for the decline. It may imply a range of issues, from insufficient funds or incorrect card details to suspected fraud or a hold on the card. The merchant should advise the cardholder to contact their card issuer for further details and resolution.
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