Few things are more frustrating than a DECLINED message when you know your Target Visa Gift Card still carries a balance. This guide unpacks the twelve most common fail-points that cause MyBalanceNow users to run into “Invalid” or “Do Not Honor” responses in 2025.
Table of Contents
- Activation & Receipt Slip
- ZIP/AVS Mismatch
- Pre-Authorisation Holds
- Velocity & Fraud Locks
- Top Decline Codes Explained
- Printable Flowchart
1 – Confirm Activation & Balance First
Over 40 % of “declined” comments stem from a cashier forgetting the final key at checkout. Look for “ACT Gift Card” plus the last four digits printed on your receipt. No slip? Take your card and receipt to Guest Services within 24 hours for instant activation. Next, call 800-698-4952 or sign in at MyBalanceNow to confirm the dollar amount really is available.
2 – ZIP or AVS Mismatch (Online Only)
E-commerce gateways compare the ZIP code you enter with the ZIP on file at the issuer. New Target Gift Cards launch with “GUEST” name and no ZIP—a guaranteed mismatch. Fix it in two minutes:
- Log in to your card dashboard.
- Click Manage Card → Address / ZIP.
- Enter the same 5-digit ZIP twice → Save.
3 – Pre-Authorisation Holds at Gas Pumps & Hotels
Gas pumps pre-authorise up to $175. If your balance is lower, the card declines instantly. Solution: pay the exact amount inside, or run a smaller test charge first.
4 – Velocity Limits & Fraud Locks
Five rapid declines in a row auto-lock the card for 24 hours. Wait it out or call 800-544-2943 → option 5 to request a manual unlock.
5 – Quick Glossary of 2025 Decline Codes
- AVS M-2 – ZIP mismatch → set ZIP.
- 05 – Do Not Honor → likely fraud rule, retry later.
- 14 – Bad card number → re-enter digits carefully.
- 91 – Issuer unavailable → switch network (Wi-Fi vs. LTE).
Independent fan guide. Data verified 16 Jun 2025. Not affiliated with Target Corporation.
