What happens if my card is declined?

It depends on which payment failed.

If your plan payment fails, the account lapses: team members are signed out, sign-in shows that access is paused, and active campaigns pause. Dunning emails go out on day 0, day 1, and day 7, each with a link to update payment. Once the invoice is paid, access is restored automatically; resume your campaigns by hand. Nothing is lost while an account is lapsed; it is paused, not deleted.

If an auto-refill charge is declined, auto-refill switches itself off and you get an email to fix the card; your account stays open. And if your wallet simply runs out, the Account & Billing page shows "Metered activity paused": account and billing access stay available so you can buy a pack, but Voice AI and other metered work stay paused until the wallet has a positive balance. For a billing dispute, refund, or cancellation, that goes to a human on the LeadAttractor team.