Scenario: Customer is in club A, credit card declines. I send decline email from club processing.
Customer updates card online (yay!) and then requests a change to club B.
I change her membership, add her and run club B. Success!
However, when I do declines in List Builder she is listed as a decline. How do I keep her out of the list builder list? (Short of making a stupid contact type.) 
When you change the membership, are you doing so by just switching the club on the drop down in her profile, or are you cancelling the existing membership and adding a new one? I haven’t tested it, but it seems like cancelling/creating a new membership should fix this.
I do the drop down. This maintains continuity of membership back to their original start date, and is a couple dozen less steps…
Easy work around might be to skip said member in Club A before switching them to Club B.
You could also constrain your declined lists in List Builder to be for active members in certain Clubs.
Yeah, but I always forget. I suppose I could add them back, skip, and then delete…
That doesn’t work. I only have active members checked in list builder. The undesired decline is still getting through.
I’m suggesting making separate Declined lists for each Club. I just gave it a go and was able to accomplish what you’re looking for.
OK, but then I might as well just use the lists from club processing. I need one list of all declines… thanks anyway.
