Instruct: Classify the given online banking query into its corresponding intents.
Query: I got a declining message during a transfer? please tell me why
Why am I getting declines when trying to make a purchase online?
I attempted to top-up with my card this morning, but the transaction was unsuccessful. I received the card two days ago and was successful using it previously. Could you please help me?
How do I get a real card?
I've changed my mind on an item.  How do I get a refund?
Can you see my new balance yet?
I haven't used my card all day but there is a payment showing in the app. Please cancel it!
What is the foreign exchange rate you will apply?
I don't know where this debit transaction on my statement came from.
I was issued a new card a week ago but still haven't received it. How long will it be until I receive it?
Can I get my money back on an item?
Can I use the app without my phone?
How can I trade currencies with this app?
I seem to have been charged to much for my holiday purchases, the exchange rate is wrong.
where do you find your exchange rates?
What is the appropriate age for my child to be able to open an account?
How was I charged extra when I used my card to pay?
If the ATM only gave me 10 pounds instead of the 30 I requested, what do I do?
How long will it take to transfer from europe?
My rate is not right when I used my card in a different country's money.
I tried to make a transfer and it failed.
How do I link my card in the app.
I want a new PIN please.
Whats the minimum age to have an account
Do you have an age limit?
When will my transfer process?