Websites like Fit Tower and us don't actually charge or handle your credit card information. Instead we all use payment gateways like Authorize.net to handle your transaction . I can tell you from my personal experience that when a credit card is declined and you contact the issuing bank, and it is not for insufficient funds, you have at best a 50% chance of getting a right answer. You have to ask them if they're seeing the charge at at all? If so what is the reason for rejection? Is there a block on the card, etc.? If they're not seeing the charge at all it means something is wrong with what is being entered on the order screen. If the address you enter on the form doesn't match your credit card billing address your order might be rejected. But also something as simple as using auto fill to enter your credit card info can cause an issue. Auto fill for me works 95% of the time, but I have a few accounts where if I use auto fill the card will always be declined. Just typing everything in by hand and not using auto fill solves the issue. If you have any concerns just click on the customer service link at the bottom of the Fit Tower website and I'm sure they will be glad to help you.