What Happens If My Card Declines While Getting a Tattoo?

Getting a tattoo is an exciting experience, but it can sometimes come with unexpected surprises, such as a declined card. Here's what typically happens when this occurs during a tattoo session.

Communication with the Artist or Studio

Upon noticing that your card has declined, the tattoo artist or studio will likely inform you of the issue. They may ask for alternative payment methods or request you resolve the payment issue with your bank.

Possible Consequences

Delayed Completion

One of the most common consequences is the potential delay in completing the tattoo if payment is not resolved. The artist may not continue working until the payment issue is sorted out.

Legal Action

In some cases, if you leave the tattoo studio without paying, the studio may pursue legal action to recover the costs, especially if a significant amount of work has been done. This is more likely if the artist has already invested substantial time and resources into the tattoo session.

Loss of Deposit

If you had paid a deposit before the session, it may be forfeited as part of the studio's policy. Missing a session without providing proper notice or payment can result in the studio retaining this deposit.

Payment Arrangements

Many studios are willing to work out a payment plan or allow you to return to pay later, depending on their specific policies. These arrangements might include setting up a payment schedule or allowing you to return for the final touches on the tattoo.

Future Implications

A declined payment could affect your ability to receive services at that studio in the future. They may require upfront payment or a larger deposit for any future appointments.

Credit Card Issues

If the decline was due to an error with your bank or card company, it is essential to resolve the issue quickly to avoid complications. Be prepared to provide additional proof or documentation to resolve the issue swiftly.

Alternatives for Payment

Instead of waiting for the issue to be resolved or having to come back later, the artist might demand immediate payment via cash. Some artists are smart enough to run the card through the system first before starting the tattoo, which can prevent this issue from arising.

Alternative Solutions

If these options do not resolve the situation, the artist might ask for collateral such as car keys or another form of security. You may be required to leave these items as a form of loan. The value of the collateral could be higher than the original amount you owed, making the situation more complicated.

Note: Some artists might legally demand payment via cash or have the right to take legal action, depending on the country's laws. In extreme cases, involving law enforcement could be a last resort, though it may not be the most effective solution.

It is always best to communicate openly with the tattoo artist or studio to find a mutually agreeable solution. Transparency and clear communication can often prevent such issues from becoming more complicated.