PermitToTravel
Established Member
It is not straightforward to update such an amount "on the fly" if a customer wanted to change their card reserve.
But could be done by taking the card to a bank, which isn't a very onerous requirement.
It is not straightforward to update such an amount "on the fly" if a customer wanted to change their card reserve.
But could be done by taking the card to a bank, which isn't a very onerous requirement.
But could be done by taking the card to a bank, which isn't a very onerous requirement.
But could be done by taking the card to a bank, which isn't a very onerous requirement.
Here's one, for those of you that understand this sort of thing.
I have two debit cards. One, which is the joint account card, has a decent buffer which we have saved to it so we can cover major domestic emergencies or appliance breakdowns and the like. I could probably happily buy an significant period of season ticket to commute right now.
The other card is for my account. Most of the balance of my account goes to the joint one, and I spend the rest over the month - it's my pocket money, if you will. There's about 150 quid available there seeing as how I've prepaid a weekend away this weekend.
Neither are online-only.
I understand that there is a floor limit for transactions above which a card must call in for authorisation. Is this fixed by the bank? Can this be varied by measure of the balance of the account?
If I were to be travelling between two unmanned stations, would I be able to buy a season ticket on the train with either of my cards, assuming that a season ticket could cost a few hundred quid? Or would I need to make a special journey to a manned station to do this?
What would happen if the balance on my personal card was lower than my floor limit. Would the transaction approve if I bought a ticket costing less than the floor limit?
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First Direct?
Or where, for instance, you opened an account with a branch of the Clydesdale as a student because you were in Scotland and now live in Falmouth and do all your banking online?
I understand that there is a floor limit for transactions above which a card must call in for authorisation. Is this fixed by the bank? Can this be varied by measure of the balance of the account?
Any bank, or just the one the customer banks with. Where I live in Crayford the last bank closed a couple of months ago meaning the nearest branch of any variety is 2-3 miles away. In the sticks you're possibly looking at tens of miles away
In a hypothetical world where banks decide that [variable buffers to guarantee chip and PIN transactions work offline] are a good idea and worth spending money on, I imagine they'd also spend money on provision for people who cannot get to a branch so easily, which could range from reprogramming their ATMs to be able to make these changes all the way to just posting out new cards to people who want such changes. They could also not allow the cardholder to make such a change, and just say it's always £20.First Direct?
Or where, for instance, you opened an account with a branch of the Clydesdale as a student because you were in Scotland and now live in Falmouth and do all your banking online?
I'm not sure about it all, but on Southern, where i work, you can only buy weekly seasons on the train. If your bank trusts you, you can buy these weeklies for £130 or so, and many do, with no issues.
But could be done by taking the card to a bank, which isn't a very onerous requirement.
As an ex-pat that pays for cabs using a credit card - where the cabbie has a 'square reader' on their iPhone/android device - I am completely mystified why it seems so hard for the TOCs to do online auth of credit cards.
Heck, even if there are areas of patchy coverage and an online check can't complete, a scroat's luck will run out at some point when they are detected in an area of good coverage.
AFAIAA The vast majority of credit cards will authorise offline anyway. To get a credit card you must have some sort of credit rating so as long as you are within the "floor limit" the transaction will go through (usual caveats apply). Debit cards on the other hand..........
This was objected to up-thread as certain posters require a system with 100% coverage.heck even if there are areas of patchy coverage and an online check can't complete, a scroat's luck will run out at some point when they are detected in an area of good coverage.
Try mine; the next day it'll be shut is 25 DecemberAnd what happens if you want to do this on a weekend, or you don't live in an urban centre?
As an example, the nearest branch of my bank is a round trip of 38 miles, and my other bank over an hour and a half away!
More broadly...wow...so much misinformation and confusion in the thread which some have valiantly tried to correct.
More broadly...wow...so much misinformation and confusion in the thread which some have valiantly tried to correct.