Last week my bank called and informed me a .35 cent charge had been attempted in Brazil, South America.
The bank further informed me the charge had been declined, BUT, I had to cancel my card, have a new one issued, and then get busy on the monotonous task of re-configuring all of my auto-pay accounts.
Ebay, Paypal, Electric & Water, GunBroker, and a host of others. You always miss one or more accounts and then get a notification of a "decline". PIA!