For your protection and security, PepBoys runs each credit card order through an authorization process before any amount is charged to the card to prevent unauthorized purchases. Sometimes a credit card may be declined due to various reasons. Credit cards are sometimes declined because the customer's information doesn't match what the credit card company has on file. This is often due to a simple clerical error or mistyping. If your card has been declined during the online checkout process, you will receive error message asking you to correct any errors or call Customer Service. You may need to contact your credit card company for more specific details on why your card was declined.