Payments Heather Collins Jan 9, 2026 Picture this: You’re in line for your morning coffee, ready to tap and go … but instead, you get a decline. Not because of insufficient funds, but because of an outdated daily limit. It’s a small moment with big implications – for both the cardholder and the issuer. If your debit or credit card portfolio isn’t performing at its peak, you’re losing engagement, revenue, and long-term loyalty.