How can I avoid the insufficient-funds decline fee?

Keep your card funded. Before making a payment, check that your balance covers both the purchase and any applicable transaction fee.

Check your balance regularly, especially ahead of a payment you know is coming up.

Review your recurring subscriptions. If a service linked to your card auto-renews and you no longer use it, unlink your card or cancel the subscription — this helps you avoid unexpected charges and decline fees if the payment is attempted when your card doesn't have enough funds.