Breakdown of Моя карточка не работает.
не
not
мой
my (мой, моя, моё) / mine
работать
to work
карточка
card (bank card, membership card)
Questions & Answers about Моя карточка не работает.
Why use карточка here instead of just карта?
While карта usually means a map or a playing card, карточка is the natural, everyday word Russians use for a bank card, SIM card, or small ID card. When talking about paying for things, native speakers almost always say карточка.
Can I use the verb работать for objects functioning, just like in English?
Yes! Just like in English, работать means both to do a job and to function. Using не работает is the completely standard way to say that an electronic device, a system, or a card is broken, offline, or malfunctioning.
Does this mean the card is physically broken, or just that a payment was declined?
Моя карточка не работает usually implies a technical issue, like the card reader cannot scan the chip or the physical card is damaged. If your card was simply declined or a transaction failed, it is more natural to say Оплата не прошла (The payment did not go through).
If I want to say my phone is not working instead, what changes?
Because телефон (phone) is a masculine noun, you must change the feminine possessive pronoun моя to the masculine мой, making it Мой телефон не работает. The verb работает stays exactly the same since it is still a third-person singular subject.