Credit card payments declined

[Christi Wolverton]

First time in 3 years of mid-term renting that I had a credit card denied two months after client moved in.  She notified me yesterday her contract was canceled and asked about terminating the lease.  Little did I know but she had already declined her payment.  Has anyone had experience with this - in other words - can she simply decline the charge without the credit card company reaching out for investigation into the matter?