If you're experiencing issues with credit card payments on the OurTime app, there are several common causes and suggested solutions:

- App Cache & Updates: If the app is denying your credit card despite your card being in good standing, try clearing the app cache (Settings > Apps > OurTime > Storage > Clear Cache) and make sure the app is updated to the latest version. Corrupted data or outdated app versions can interfere with payment processing.

- Billing Information: Payment declines are frequently caused by errors in the billing information (for example, an incorrect zip code, card number, expiration date, or CVV). Double-check your details and update your billing information as needed through the app or website5.

- Bank & Card Issues: If your billing information is correct and payments are still being declined, contact your credit card provider to ensure there are no holds or restrictions on your account. Sometimes banks block online or recurring subscription payments as a security precaution5.

- Double Charges: There have been reports from users of being charged more than once for the same subscription. If this happens, review your payment history within your account settings and contact OurTime’s support to resolve duplicate charges28.

- Types of Cards Accepted: OurTime accepts Visa, MasterCard, Discover, and American Express, as well as PayPal. Ensure your card type is supported and not expired4.

- Subscription Management: If you're trying to avoid unwanted charges (such as auto-renewals), you can turn off automatic renewal or cancel your subscription directly through your account settings. If you subscribed via the Apple App Store or Google Play, manage your subscription through your phone’s settings rather than the app itself7.

- Other Technical Issues: If problems persist after troubleshooting, OurTime’s customer support can be reached through their help center. They can investigate payment issues and assist with billing questions8.

If your issue is not resolved after following these steps, consider reaching out to your financial institution and OurTime support for further assistance. Always keep records of your payment attempts and any receipts or confirmation numbers you receive during the subscription process48.