Was it actually declined by Steam, or were they just passing along the information?

jle30303 wrote: »

I don't know. That is, I don't know *who* declined it, whether it was my bank (who had no reason to decline it) or Steam. I don't even know how to find out.

You should be able to call the bank (number on back of credit card) and they can tell you if a charge was attempted and what happened. If they can't find a matching charge attempt, then it was Steam. I have no idea how to query Steam about what happened.

jle30303 wrote: »

Also, I just made another purchase on Steam and one on Amazon without any problems, so I don't think it's a bank / card issue...

It still could be.

I went shopping at a few different stores one day and my bank put through all my charges but one that they were suspicious of. They notified me and I called them and approved the purchase as valid.

So they may put through some charges while denying others.

Well. I logged into Steam again this morning and I saw the message that the payment had failed to go through... a day before it was *actually* due at all: the date it was supposed to be paid, was the 10th, and the failure to pay was on the 9th.

I am set up to get email warnings of unauthorised or failed transactions, and there has been no such warning and no attempts - it appears that Steam never actually asked for the money from my bank at all. Which makes me think that the point of failure may have been the date discrepancy - ESO asking for the money from my Steam account a day early, and Steam refusing to pass on the request to my actual bank card because it wasn't due for another 24 hours.

Somehow the subscription was stuck in a "Pending:..." state. So I cancelled it, and restarted it... it went through with no problem...