When you phone the IVR or peek at a declined slip, you’ll sometimes see cryptic status letters: **H, L, V, S.** This glossary breaks down each 2025 code, what triggers it, and how to clear it.
Status | Meaning | Who Clears It | Typical Duration |
---|---|---|---|
H | Fraud hold (velocity) | Auto | 24 h |
L | Lost/Stolen lock | Issuer | Permanent until replaced |
S | System hold | Issuer | Up to 48 h |
V | Velocity exceed | Auto | 24 h |
How to Clear a Status H on Your Own
- Wait 24 hours without swiping.
- Assign ZIP on MyBalanceNow.
- Retry a small $1 charge (iTunes) before larger spends.
Data sourced from 2025 BIN bulletin.