It usually happens for one of two reasons: either you spent more money than you realized (while drinking perhaps) and reached your limit, or you may just be traveling from out of state. Banks will often put a hold on your card as a precautionary measure if it’s being used for high-dollar amounts in an unfamiliar location. So before you plan a vacation, call your bank first. You don’t have to tell them you’re hitting a strip club; just let them know you’re planning to spend some money in Vegas.