Credit card declined in Guam

It’s not you, it's a technical glitch. The Guam banking system is robust, but sometimes a card just won't go through. It could be a merchant's poor internet connection, or it could be your home bank's security system. My advice is to use cash for a while. You can easily get US dollars from any ATM on the island. While you're at it, call your bank and ask them to remove any blocks on your card. It's the simplest and fastest way to solve the problem.

I'm not surprised to hear this, and it can happen anywhere. Sometimes the card reader is old and not working correctly, or there's a temporary network outage. The best solution is to just find another machine to try. You should have no problem using your card at an ATM from a major bank like Bank of Guam or Coast360 Federal Credit Union. Guam is a very safe place, so you don't have to worry about fraud. Just try another place and see if it works.

This has happened to me before, and it's a huge pain. The issue is usually your bank's security protocols flagging a transaction as suspicious, even if you’ve activated international use. Guam is a common travel destination, but it can still trigger an alert, especially for large purchases. What you should do is call your bank and tell them you are in Guam and trying to make a transaction. They will lift the hold, and your card should work after that. Just try a smaller purchase first.

That's super frustrating, especially in a US territory. Guam's banking system is connected to the US and international networks, so your card should work. The problem is likely with a specific vendor's terminal or your home bank's fraud detection. My advice is to try another location, maybe a different chain of stores or a Bank of Guam ATM. Also, make sure the card is a Visa or Mastercard, as some smaller places might not accept American Express. You should also call your bank and tell them you are in Guam and that all is well.