# Cards **Why was my card transaction declined?** A transaction may be declined if: * it exceeds your spending limit * 3DS was not approved within 570 seconds * the card is frozen or blocked * the merchant authorization failed **Do pending transactions count toward my limit?** Yes. Pending authorizations temporarily reduce your available limit. **Does freezing my card stop subscriptions?** Previously authorized recurring payments may continue depending on merchant configuration. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.anzo.app/product-guide/faqs/cards.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.