Further to my previous reviews titled "24s doesn't care about loyal customers" in reply to part 3 of the 24s has finally provided a real reason why my transaction was refused. It was not due to any issues with my cc when receiving "payment has been declined by your banking institution" message appearing at the time of transaction. The real reason is this: " 24S reserves the right to cancel the execution of an order, in the event of an abnormally high number of returns". So all this blah blah that "every credit card payment is processed by the verification system, which refused the request to authorise a transaction" has nothing to do with the eligibility of cc or accounting issue. 24s discriminates against the customers based on the ratio of items purchased vs items returned. Since I have bought 6 items and returned 4, I was marked as a customer with "abnormally high number of returns". Therefore, when 24s issues bogus message "payment has been declined by your banking institution" it is de facto discouraging "undesirable" customers from shopping on their site.