The decline code 65, indicating “Exceeds withdrawal limit,” means that the transaction being attempted exceeds the withdrawal or spending limit set for the credit card. This could be a daily, weekly, or transaction-specific limit imposed by the credit card issuer to prevent overspending or fraud. When this code appears, the cardholder has likely reached or surpassed the maximum amount they are authorized to spend or withdraw within a certain period, and the transaction is automatically declined to protect the account.
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