A “failed charge” notice would be sent to you only if you have auto-payment terms (your invoices are automatically charged to a credit card on file weekly or monthly, as most members are) and a charge was attempted and failed. We are not informed by the credit card reporting agency or bank as to why the charge failed so we cannot tell you “why”. There is no need to be upset or angry or be embarrassed or apologize. We understand “stuff” happens. All we ask is that you take action to remedy the situation. Please see the Q&A below for more information.