SPCC Resources and Guides

The following page includes helpful SPCC information and guides to assist you in your role as a UMW SPCC Cardholder.

Checking your SPCC Spend Limits and Restrictions

You are able to check your Single Transaction and Cycle Limits on your own via Bank of America Works.

1. Log into Bank of America Works.
2. With the “Home” tab selected, scroll down to see the Accounts Dashboard section.
3. Select the drop down on the 4-digit number (the last 4 numbers of your SPCC) under the Account ID column and click on View Full Details.
4. Your spend profile (limits) will be listed under the Spend Control Profile tab in your Account Summary.
5. Next to your “Current Profile” limits will tell you if you have any restrictions (Travel/Food) removed from your card. Examples are below of what your card might say in regards to the restrictions:
   1.  $1,500 STL – $5,000 CL; All Restrictions
   2.  $3,000 STL – $10,000 CL; Allow Food
   3.  $1,500 STL – $5,000 CL; Allow Travel
   4.  $5,000 STL – $25,000 CL; Allow Food; Allow Travel

If your single transaction limit is not enough to cover your upcoming transaction, you don’t have enough available credit left to make a purchase, or you need a restriction lifted from your card, contact your Program Administrators or fill out the SPCC and Gold Card Profile Change Request Form for a temporary spend limit increase or restriction lift.

Why Is My Card Declining?

You can check why your card is declining on your own via Bank of America Works.

1. Log into Bank of America Works.
2. With the “Home” tab selected, scroll down to see the Accounts Dashboard section.
3. Select the drop down on the 4-digit number (the last 4 numbers of your SPCC) under the Account ID column and click on View Auth Log. (Auth stands for Authorization).
4. Your Authorization log will pop up and you can see the transaction, the amount, the result (Authorized vs. Declined) and the Decline Reason.

Most Common Decline Reasons:

• NOT ENOUGH AVAILABLE MONEY = You have exceeded your credit limit and do not have enough available funds in your account for the transaction. You will need a temporary credit limit increase.
• ACCOUNT STDL IS EXCEEDED = Your standard single transaction limit has been exceeded. You will need a temporary single transaction limit increase.
• INDIVIDUAL MCCG IS EXCLUDED = You are trying to purchase something that requires a restriction lift (food or travel). You will need a temporary restriction lift.
• DECLINE BY SCORE 1 = BOA flagged this transaction as fraud. If it is a legitimate transaction, call the Bank of America number on the back of your SPCC and let them know. They will push it through and remove the fraud flag. If it IS a fraudulent transaction, call the Bank of America number on the back of your SPCC and confirm that it’s fraud. They will close your account and order you a new card. Please then tell myself or Lindsay the situation so we can be on the lookout for your new card and document.

For any temporary restriction lifts or spend limit increases, contact your Program Administrators or fill out the SPCC and Gold Card Profile Change Request Form.