01
Oblivious
Genuinely doesn't know the card expired or was replaced. A friendly notification works immediately.
NOTIFY EARLY
02
Confused
Sees bank decline and isn't sure if it's fraud. Needs brand reassurance and specific transaction details.
BUILD TRUST
03
Anxious
Embarrassed about the decline or having procurement issues. Needs a helpful, judgment-free path to help.
OFFER HELP
04
Resistant
Using the failed payment as an excuse to churn. Needs value reminders and downgrade options.
RESELL VALUE