OT bank notification of debit card use, continued

On 05/08/2017 12:32 PM, Micky wrote: ...
Just out of curiosity, which country/countries are you visiting?
Actually it was so long ago had almost forgotten in earlier comment re: time...
_MANY_ years go, employer had subsidiaries/cooperative European ventures in Germany, France, Spain and spent fair amount of time at those locations, particularly Germany. Was somewhat interesting to we 'Murricans to find the beer on tap dispensers in engineering offices for a reactor vendor as we would think of a soda fountain in the break room. :)
While in many ways the German equivalent was much more stringent to deal with, don't think the NRC would have approved if had tried that in the VA office!
The more recent (altho as noted, that's now approach 20 year since which seems impossible to have been already) were all in England/Scotland altho did take side trip to France one year when youngest daughter was HS senior; we took her to Paris as she had been fixated on that since a wee 'un...
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05 May 2017 01:44:48 GMT in alt.home.repair, wrote:
[snip]

Sort of... You're very close though. It can also affect a credit card transaction in the same manner. It's not restricted to your debit card. They don't know how much money your card has available, so, if you only had, say $20 available and you pumped $50 worth, they're eating $30; since they do the transaction AFTER you receive the gas.
They can't very well reverse the pump and get that gas back from you. So, they place a hold on your card that's settable by them, and *should* cover however much you might use at their pump. Your bank and the ACH network determines how long that hold actually lasts, not the gas merchant. The merchant just controls how much of a hold they're going to place on you. Just to make sure you can pay for the gas you pumped.
If you want to avoid the entire process, go inside and swipe your card at the cash register. This also reduces the chances of your card being skimmed, since it's much harder to modify the cash register equipment (pending the cashier isn't in on it) than it is to play with the gas pumps card reader.
Don't take my word for it, see here:
http://www.cleveland.com/business/index.ssf/2014/09/who_puts_that_hold_on_your_car.html One little thing the article doesn't mention is what happens if you pump more gas than you can pay for using that card...Bring another card and/or cash with you, or just prepay for a specified amount and swipe your card for that amount, prior to pumping, INSIDE the store. Otherwise, if you pump the gas and can't pay for it, well, you won't be having a good day.
If your familiar with the vehicle, you should already have a good idea how much gas it can drink to full up.
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You in the back, chewing gum. You finally have something to contribute?

I think notifying me of a hold is good, but they should in the email distinguish holds from charges, and they should email me when the hold is lifted, and they should email me the actual charge. Otherwise, the whole email alert systerm is more lame than a 3-legged cat.

You're right.
In this case I made sure I had plenty of money, because it's illegal to work here when you're a tourist. ;-)
And most places insist on a credit card for car rental. I don't know why since I learned you can put a hold on debit cards too. And does't the hold on the credit card t ies up that amount of credit, which for some people is more likely to be spent than money!
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Simplify your life. Use your card to get a bunch of cash, pay in cash. When you run out of cash, get more.
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I do usually pay cash, certainly almost always in the states. But here the maximum I can get from a cash machine is afaict about 75 dollars a day. At least that's the biggest number they offer you. At some machines you can type in your own number if you want, ... I did get 125 once, but I know when I tried for 200 or was it 250, it woudln't do it. And it didn't bother to say it might work if I put in a smaller number. It just "This service is not available to you."
And though the machine is only 4 blocks away, there's no place to park. I've become like the locals, parking illegally for something short like this, but I don't like it.
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On 5/6/2017 6:03 PM, Micky wrote:

You bank may have a limit but puerhaps the machine does too. I can get $800 a day on mine. Of course is is less in euros ur to the exchange rate.
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Today I started high and worked down but and the most I could get was about $125, at least at the bank 4 blocks away. And that doesn't last long with restaurants, museums, and other admissions.
The commission is not high, about 3% on v. small amounts but 1% above... I have to check again.
Back to the gasoline thing, why do they check if your debit or credit card has enough to pay even for more than will go in your tank, but if you plan to pay cash, they don't check in advance** to see if you really have the cash?
Why would their remedy be different? They can hold your card until they get a Yes, which seems to only take a minute because now they give the card back to me only a minute, 2 at most, after I give it to them. So if, after charging the gas, the electronic charge bounces, they're in the same position they woudl be in if you were going to pay cash and then didn't have any. **(I'm almost certain they don't ask for the cash in advance, but I'll check. )
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On 5/7/2017 3:08 PM, Micky wrote:

They certainly do. Many stations take the money up front and set the pump to give only what you paid for.
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I forgot about that, because in the states I use the debit card all the time (I'll have to check if I get emails about more money than I actually spend at US gas stations, self-service. The only place near me with service is New Jersey, where the law requires them to give service.)
But here, one guy told me that you don't have to pay in advance. Glad you reminded me I might be wrong. I'll check on that some more. But even if it's the same here, that doesn't change the fact that they send notices and call them "transactions" when they are only holds, they don't say either in the email or in a later email when the hold is released (it might be 30 days in some cases and that might be why the car rental keeps doing it again every 30 days) and it doesn't send one specifying the actual amount charged.
On an earlier occasion, I was talking to BOA when a charge disappeared (because he couldn't get the pump to work, but it took hours or tens of hours to disappear), and I asked her, Why didn't I get an email. She said, We didn't cancel it, the merchant did. This also means it DID show up on my monthly statement -- I remember that I saw it there -- even though it was just a hold, unless it was an actual debit that later got reversed. Either way. That's some hing I can definitely check out. Usually I buy gas on the way out, or in the middle of the day, and when I come home I'm tired and I put off buying gas until the next day. But I can buy it just before I get back here, and see if the amount at first matches what is on the pump, or is greater.
Transaction: The act of transacting.
Transact: verb (used with object) 1.to carry on or conduct (business, negotiations, activities, etc.) to a conclusion or settlement. Synonyms: enact, conclude, settle, manage, negotiate.
verb (used without object) 2. to carry on or conduct business, negotiations, etc.: He was ordered to transact only with the highest authorities.
So I'm right. Unless you call a hold a conclusion or settlement, and I don't, it's not a transaction.
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