Visa 11.1 — Card Recovery Bulletin

What it means

The transaction was processed with a card listed on Visa's Card Recovery Bulletin (cancelled, lost, or stolen) at the time of authorization.

Common causes

• Card was reported lost or stolen before the transaction
• Authorization obtained after the card was cancelled
• Delayed update of card status at time of sale

Evidence that helps you win

• Authorization approval code and timestamp before bulletin listing
• Proof of chip/PIN or cardholder verification if card-present
• Delivery confirmation if goods were shipped after valid auth
• Processor authorization logs showing approval details