Just So You Know
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biglakejudy
- Posts: 1881
- Joined: Tue Dec 02, 2008 10:08 am
Just So You Know
Today I filled up at Not Hanks mini mart. 71 dollars. When I got home I went to update my check register and saw that it showed 100 as my charge!! What the hey? So I go back and Bonnie says thats what they do now. When it clears the bank then it readjusts. She says some companies hold more money and hold it longer. The way to beat it is pay inside, not out at the pumps.
Judy Brezina
Re: Just So You Know
They have been doing that for years. The excess deposit charge usually (with my bank) is gone pretty quickly.
Hotels are similar, or maybe worse.
Hotels are similar, or maybe worse.
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biglakejudy
- Posts: 1881
- Joined: Tue Dec 02, 2008 10:08 am
Re: Just So You Know
Huh, well, I can say they have never done that once to me in any place using my debit card. They wont pump outside if the debit card balance is under 100 bucks, but you can go inside and pay. So I can't figure out why you get tagged.
Judy Brezina
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wildramble
- Posts: 68
- Joined: Fri Dec 09, 2022 9:19 am
Re: Just So You Know
Well - 9/10 when you're using your debit card you're paying with it on FIXED cost, completing a finalized transaction... It is going to deduct that cost from your balance and instant zippety doo dah all the machinations going on in the background in nanoseconds are going to assure that your account has said funds in it.
Now this 1/10, you are requesting an open transaction of an unfixed amount on your debit card... How is the business to know what level of funds you have available for the gas to flow? A preset amount - likely an amalgamation of accounting says the typical customer spends... And this is higher at high-speed diesel truckstop pumps - is "requested" in all the nanosecond background activity for you to go about your pumping through your bank account to assure the business' point-of-purchase you can pay... It is generally a flawless process that the preset amount is replaced with the actual ending amount.
Nothing nefarious in this nor a "they" being underhanded in customer dealings. This is an industry standardized practice that allows us to use debit cards in situations exactly like this - a request for an unknown amount of goods that when said "pay-at-the-pump" transaction is complete, my debit account balance can and will pay for it.
Now this 1/10, you are requesting an open transaction of an unfixed amount on your debit card... How is the business to know what level of funds you have available for the gas to flow? A preset amount - likely an amalgamation of accounting says the typical customer spends... And this is higher at high-speed diesel truckstop pumps - is "requested" in all the nanosecond background activity for you to go about your pumping through your bank account to assure the business' point-of-purchase you can pay... It is generally a flawless process that the preset amount is replaced with the actual ending amount.
Nothing nefarious in this nor a "they" being underhanded in customer dealings. This is an industry standardized practice that allows us to use debit cards in situations exactly like this - a request for an unknown amount of goods that when said "pay-at-the-pump" transaction is complete, my debit account balance can and will pay for it.