Debit /Credit card authorisation codes

**Jim Beard** · 9th March 2006 21:42

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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**Docubot** · 9th March 2006 21:43

But you're not being penalised - you are merely reimbursing them their costs that were incured through your mindless breach of their contracts.

**robtuk** · 10th March 2006 07:59

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).

**gerih** · 10th March 2006 09:17

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.

HUSBANDKHAN · 15th October 2006 22:13

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 !!!!

**Karnevil** · 16th October 2006 12:28

why you would want to spend £120 on fuel at tescos when you only have £6 in your account is quite bizarre.

I assume you are pointing out that the debit card facility is flawed in that it would allow you to do this thus aiding the banks to add charges to your account for the overspend ?

HUSBANDKHAN · 16th October 2006 13:09

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.

HUSBANDKHAN · 16th October 2006 13:15

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 icon

and again something has happened to which the general public have no knowledge of

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