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Debit /Credit card authorisation codes


Jim Beard
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Just a thought but evey transaction that is passed at the retail end has an authorisation code.

 

If a transaction is authorised, how can you then be penalised when they have allowed it. The banks know to the nanosecond when you make a credit purchase but deem to ignore it so they can then penalise you.

 

Entrapment?? Or am I losing the plot?

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Not every transaction is authorised there and then (apart from Solo and Electron cards)

 

Shops have a 'floor limit' a good example would be £10. All transactions below this are authorised automatically by the shop (apart from a few which may be randomly checked).

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That seems a good point though.If you could prove that they "manually intervened" and then allowed you to go overdrawn,then you might have a good case against them.No idea how you would prove it though.

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  • 7 months later...
Guest HUSBANDKHAN

If You Have £2 Available You Can Fill Up Upto £60 Worth Of Fuel From A Tesco Self Service Pump. Over A Week End You Can Do This 3 Times As The First Debit Will Come Through 3 Days After You Bought The Fuel. This Does Not Work At A Counter Though !!!!

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Guest HUSBANDKHAN

no what i am saying is how can £60 be authorised when you only have £2 in your account ? it seems either the bank or either the retailers are using a manual trick which the general public do not know about.

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Guest HUSBANDKHAN

similar thing with enterprise hire i booked a people carrier for 2 days. they took the deposit and also refunded the deposit in the same transaction despite no money being available in my account. i did this on a saturday and on the wednesday they credited the £150 deposit and then debited the rent from it which was £169.99. how can this have happened ? normally if you use a debit card the debit is held by your bank and then debited ot taken of the account when the processing bank asks for the money. i belive that there was a manual intervention by either enterprise or lloyds and again something has happened to which the general public have no knowledge of

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  • 12 years later...

This topic was closed on 03/06/19.

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Thanks

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