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I have been getting so many reservations with declined credit card payment, more than 90% of them turned out to be fraudulent. Before booking.com does anything allowing the property to mark those kind of reservation as pending instead of confirmed when the payment is questionable (declined), we may choose to mark the credit card invalid on extranet and send a message to the guest informing the guests their reservation are pending til the credit card information gets updated. Usually I can pretty much know the reservation with local phone number, it is most likely a scam or no show later, so i just add an extra room available for rent. It is not the best solution, but it definitely works in that kind of situation.
Thank you Mary for sharing your story and the insight of your input providing an enjoyable stay to your guests. Looking forward to learning more from you.