| Code # |
Name |
Definition |
Resolution |
| 2 |
Closed Account |
The cardholder or the issuing bank has officially closed the GTCC account. |
The Agency Program Coordinator (APC) should verify the account status in CitiManager. If the account is not marked ‘Closed Temporary Block', the cardholder must submit a new application. |
| 7 |
Card Expired |
The card is invalid because its expiration date has passed. |
The cardholder can request a replacement card through CitiManager. |
| 8 |
Charge-off Account |
The bank has closed the account and written it off as bad debt because of long-term non-payment. No transactions are permitted. |
The APC can verify the charge-off status in CitiManager. The cardholder must contact Citi to arrange payment for the outstanding balance, if applicable. The individual cannot reopen the account or apply for a new account under the SmartPay 3 contract. |
| 14 |
Credit Revoked |
The issuing bank has permanently revoked all credit privileges for this account. |
The cardholder can no longer use this account. The cardholder may apply for a new account or use the organization’s Centrally Billed Account (CBA) if authorized and approved. |
| 48 |
Not Enough Available Money |
The transaction amount is more than the available credit limit on the GTCC account. |
The APC may temporarily increase the credit limit in CitiManager to make sure enough credit is available for the cardholder’s mission. The cardholder can check their available credit limit 24/7 using CitiManager. |
| 49 |
Excess Decline Authorizations Today |
The card declined too many times within 24 hours. This triggered a velocity limit that prevents any further attempts today. |
Cardholders should wait 24 hours for the counter to reset, or call Citi Customer Service for more help. |
| 103 |
Invalid Card or Account |
The cardholder entered an incorrect or invalid card number or account information. |
The cardholder input the account number or information incorrectly. If concerned about potential fraud, the APC should ask the cardholder about it. |
| 111 |
Bad PIN |
The cardholder entered an incorrect Personal Identification Number (PIN). This usually applies to ATM withdrawals or debit-like transactions. |
Cardholders can only view their PIN within the CitiManager App. To reset the PIN, contact Citi Customer Service at 1-800-200-7056. |
| 112 |
Exceeds ATM Daily Limit |
The transaction would cause the total dollar amount withdrawn from an ATM in a 24-hour period to go over the set limit. |
Cardholders may enter a lower withdrawal amount. Otherwise, they should wait 24 hours and try the withdrawal again. Cardholders can contact their APC to verify withdrawal limits. |
| 113 |
Exceeds Number ATM Per Day |
The cardholder has already made the maximum number of ATM withdrawals allowed in a 24-hour period. |
Cardholders can wait 24 hours and try to withdraw funds again. Cardholders can contact their APC for more help. |
| 114 |
Exceeds Bad PIN Limit |
The cardholder has entered the wrong PIN too many times, and the bank has now blocked the card to prevent unauthorized access. |
Cardholders may view and reset their PIN through their CitiManager App. For more help, contact Citi Customer Service at 1-800-200-7056. |
| 124 |
Invalid CVV2 or CVC2 |
The card verification value entered during the transaction does not match the code on the back of the card. This is a security measure to prevent fraud. |
Verify the CVV number and re-enter it. If the transaction declines again, the cardholder may consult the CitiManager App or contact Citi Customer Service at 1-800-200-7056. |
| 125 |
Invalid Card Verification VAL/CHK |
The card verification value provided does not match the value on file for the card. |
Verify the CVV number and re-enter it. If the transaction declines again, the cardholder may consult the CitiManager App or contact Citi Customer Service at 1-800-200-7056. |
| 134 |
Card Activation |
The cardholder must activate the card before using it. This is a security measure to make sure the card is in the hands of the legitimate cardholder. |
Cardholders should go to cardactivation.citi.com and follow the directions to activate their card. Cardholders outside of the US may contact Citi Customer Service at 1-800-200-7056 to activate their card. |
| 146 |
Invalid CVC3/DCVV Value |
A contactless/mobile payment security failure occurred because the dynamic security code generated for the transaction was invalid. |
The cardholder should try the transaction again using the physical card (chip and PIN). If the issue continues, contact Citi Customer Service at 1-800-200-7056. |
| 147 |
Wrong Entry Mode for Card |
The cardholder used the card in a way that is not permitted (e.g., swiping the magnetic stripe on a chip-enabled terminal that requires inserting the card). |
Cardholders should insert chip-enabled cards into the terminal's chip slot. |
| 149 |
ATC Value Outside Window |
This is an EMV chip security feature. The Application Transaction Counter (ATC) from the chip is out of sync with the bank's records, which suggests possible card cloning. |
This decline is a security measure to protect against potential fraud. The cardholder should immediately contact Citi Customer Service at 1-800-200-7056, as the bank will need to block and replace the card. |
| 151 |
Duplicate ATC |
This is an EMV chip security feature. Someone submitted the transaction with an Application Transaction Counter (ATC) that has already been used. |
This decline is a security measure to protect against potential fraud. The cardholder should immediately contact Citi Customer Service at 1-800-200-7056, as the bank will need to block and replace the card. |
| 152 |
Exceeds Maximum RFID Amount |
The transaction amount is over the limit allowed for a single contactless ("tap-to-pay") transaction. |
The cardholder should complete the transaction by inserting the card and using their PIN. |
| 162 |
Point of Sale Error |
The merchant's point-of-sale terminal, not the issuing bank, caused the decline. |
Merchants will need to resolve the issue with their acquiring bank. |
| 207 |
Invalid Expiration Date |
The expiration date entered during the transaction is not the same as the expiration date on the card. |
Double-check the card expiration date and try the transaction again. |
| 453 |
Cannot Authorize During Downtime |
The bank's authorization system was temporarily offline, so it could not process the transaction request. |
The cardholder cannot complete the purchase at that time and will need to try again later. |
| 500 |
Coded Security Fraud - Lost |
The legitimate cardholder has officially reported the card as lost. |
The cardholder has reported the card lost or stolen. Cardholders can view their replacement card in CitiManager. If the cardholder did not report it, they should do so immediately through CitiManager or by calling Citi Customer Service at 1-800-200-7056. |
| 501 |
Coded Security Fraud - Stolen |
The cardholder has reported the card as stolen, so the bank automatically declines any transaction. When a cardholder or APC reports a card as stolen, the bank will issue a new one. |
The cardholder has reported the card lost or stolen. Cardholders can view their replacement card in CitiManager. If the cardholder did not report it, they should do so immediately through CitiManager or by calling Citi Customer Service at 1-800-200-7056. |
| 502 |
Coded Security Fraud - Not Received |
The cardholder reported that they never received the card that was mailed, which suggests it may have been stolen from the mail. |
Cardholders must contact Citi Customer Service at 1-800-200-7056 to verify their identity and get more help. |
| 503 |
Coded Security Fraud - Fraud Application |
The bank determined that someone opened the account using fraudulent information. |
The cardholder or APC should contact Citi Customer Service at 1-800-200-7056 to verify the attempted charge and to ask for more guidance. |
| 512 |
Coded Security Fraud - 4F |
The bank declined the transaction based on a specific internal fraud rule, identified by the internal "4F" code. |
The cardholder or APC should contact Citi Customer Service at 1-800-200-7056 to verify the attempted charge and to ask for more guidance. |
| 518 |
Coded Security Fraud - Account Takeover |
The bank has flagged the account because of a high suspicion that it has been compromised and an unauthorized person is using it. |
The cardholder or APC should contact Citi Customer Service at 1-800-200-7056 to verify the attempted charge and to ask for more guidance. |
| 519 |
Coded Security Fraud - Mail Or Phone |
The bank has flagged the transaction as potentially fraudulent because it was started by mail or phone, which are higher-risk channels. |
The cardholder or APC should contact Citi Customer Service at 1-800-200-7056 to verify the attempted charge and to ask for more guidance. |
| 557 |
Watch |
This flag shows that the card issuer needs to review or investigate the account because of potential fraud. |
Cardholders should contact Citi Customer Service at 1-800-200-7056 to ask for more guidance and to request that the account be reopened or that a replacement card be issued. |
| 601 |
Exception File |
The account is listed on an internal file (e.g., a watchlist) that flags it for automatic declines. |
The cardholder or APC should contact Citi Customer Service at 1-800-200-7056 to ask for more guidance. |
| 624 |
Active Service Member Plan |
The account is associated with a service member covered by a protection plan (e.g., SCRA), which may have specific restrictions. |
The cardholder or APC should contact Citi Customer Service at 1-800-200-7056 to ask for more guidance. |
| 683 |
Decline for Past Due |
The GTCC account has an overdue balance, and the bank is blocking the card until the balance is paid. |
Cardholders must immediately pay the overdue balance before they can use the card for purchases. Cardholders can make payments 24/7 through the CitiManager website or App. |
| 687 |
Account Closed/Blocked |
The bank has permanently closed the account or temporarily blocked it from all transaction activity. |
The APC should verify the account status and contact Citi for help. If temporarily blocked, the APC can request the account be unblocked if all limiting factors have been corrected. |
| 802 |
Card Not Effective |
The card account is open but does not have a current active start and end date. |
Cardholders must contact their APC to update the account with an effective/active start date. |
| 814 |
Account Number Limit Is Exceeded |
The transaction is over the total number of transactions allowed for the account within a set period (e.g., per day, per week). |
Cardholders must contact their APC or Citi Customer Service at 1-800-200-7056 for guidance. |
| 818 |
Individual MCCG Amount Limit Is Exceeded |
The transaction is over the spending limit set for a specific Merchant Category Code Group (e.g., a daily limit on travel or electronics). |
The bank has blocked the transaction because of merchant type restrictions. The APC can review the specific MCCG restrictions and request a temporary change/assignment directly within CitiManager. |
| 823 |
Individual MCCG Include (No Match) |
MCCG stands for Merchant Category Code Group. This means the type of merchant (e.g., restaurant, hotel, gas station) where the cardholder is using the card is restricted by DoD policy. The bank declines the transaction because the merchant's code is blocked in DoD’s profile. |
The bank has blocked the transaction because of merchant type restrictions. The APC can review the specific MCCG restrictions and request a temporary change/assignment directly within CitiManager. |
| 831 |
Invalid Request: Swiped But No Plastics |
A swipe transaction was attempted on an account that does not have a physical card (e.g., a virtual-only account). |
The cardholder or APC should contact Citi Customer Service at 1-800-200-7056 for guidance. |
| 850 |
Bank Request: Fraud Strategy 1 |
The transaction's characteristics triggered a specific, proprietary fraud rule from the bank. |
The cardholder or APC should contact Citi Customer Service at 1-800-200-7056 to verify the attempted charge. |
| 870 |
Declined By Score 1 |
The bank declined the transaction because it triggered an internal fraud detection model. The risk score assigned to the transaction was higher than the set threshold. |
The cardholder or APC should contact Citi Customer Service at 1-800-200-7056 to verify the attempted charge. |
| 881 |
ARQC Invalid |
This is an EMV chip security failure. The Authorization Request Cryptogram (ARQC) sent from the chip could not be validated, which shows a potential data error or fraud. |
The cardholder should contact Citi Customer Service at 1-800-200-7056 for guidance. |
| 882 |
Application Transaction Counter Invalid |
This is an EMV chip security failure related to the transaction counter, which shows a data mismatch or potential fraud. |
The cardholder should contact Citi Customer Service at 1-800-200-7056 for guidance. |
| 884 |
Transaction Not Allowed For Card |
This type of transaction is not permitted for this specific card (e.g., attempting a cash advance on a card that does not allow it). |
The cardholder should contact the APC to confirm the card's features in CitiManager. |
| 901 |
Tiered Watch Level 1 |
The transaction triggered a low-to-mid-tier rule in an automated fraud monitoring system; the account is on a watch list. |
The cardholder or APC should contact Citi Customer Service at 1-800-200-7056 to verify the attempted charge. |