don,t understand

tbsouth2004

Just been on my other halfs internet banking his credit card balance shows he is £6 beneath his limit but available credit £199dr does this mean hes overspent by this amount all recent transactions show on statement and we bt yesterday to a 0% card but obviously not gone through yet its a tsb card can someone explain

NickX

Transactions including Balance Transfers usually take a couple of days to show up on your Balance, they tend to go through a "Pending" status first.

However, often the "Available Credit" will take account of these "Pending" transactions before they actually show on the account.

Could this be the route of your discrepancy ?

tbsouth2004

don,t think so nick I bt transferred 1000 to my card and he transferred the rest to his just under 3500 just made a payment on the 21st of £92 which has come of then hubby used card for a hotel but all under limit i suppose time will tell just didn,t want a £12 charge

NickX

OK, it is a little to understand without actually seeing the statement.

Why not call them up for an explanation, and if there is an overlimit fee then see if they will remove it for a "first time" offence.

tbsouth2004

I will do later because its his they won,t speak to me without his permission so will have to wait till he gets in from work will let you know the outcome.thanks nick.just to let you know proper figures.
£3884.38 balance
£85.00 credit this was not a payment was a credit back as they took payment twice
£513.66 spend
£72.00 spend
£92.00 payment
£162.46 spend
my calculation £4455.50 there balance is £6 short of £4700 above figures taken from online statement.

NickX

Your figures do indeed at up to £4455.50

I can't see hoe they £4700 figure has come about - sorry, unless anyone else has ideas, you will have to ask them.

tbsouth2004

just been on phone to them nick there is a payment pending of £204.95 but they cant tell who to yet which we haven,t made hopefully it will show properly tom then we can go about sorting it out thanks for your input

tbsouth2004

Argh just had a thought limit is £4700 and we are £199 over which means someone has spent £543.50 should I ring and cancel it in case it gets used again

NickX

tbsouth2004 wrote: »

Argh just had a thought limit is £4700 and we are £199 over which means someone has spent £543.50 should I ring and cancel it in case it gets used again

Well I think you are £199 over your limit because of the pending transaction of £204.95.

If this wasn't there, you would be £6 below your £4700 limit.

You won't know what this amount is until is actually goes on the account, so you will need to keep a close eye on it.

However, forgetting this pending transaction, your transactions show a balance of £4455.50, not £4694.05, so I think you need to find out why there is a difference here. If necessary call them and ask for a breakdown of transactions.

Also do you know what this pending £204.95 is ?

If there has been fraud, you will need to pinpoint specific transactions that you did not make.

tbsouth2004

No idea what £204.95 is nick last time card card was used was monday in ireland to pay for a hotel thats the £162.46 and that was in ireland thats last transaction showing online suppose will just have to wait till it shows on there system she said it updates overnight and the cheek while i,m here to tell you the bt we did are showing on my other cards in the balance but the tsb card still has the lot sat there also

NickX

tbsouth2004 wrote: »

No idea what £204.95 is nick last time card card was used was monday in ireland to pay for a hotel thats the £162.46 and that was in ireland thats last transaction showing online suppose will just have to wait till it shows on there system she said it updates overnight and the cheek while i,m here to tell you the bt we did are showing on my other cards in the balance but the tsb card still has the lot sat there also

Hotels sometimes "pre-authorize" certain amounts to cover bar bills and expenses whilst you are staying there. Once you have checked out and settled your bill, these "pre-authorized" amounts can remain pending on your card for several days, then eventually they drop off. Perhaps this £204.95 is to do with this ?

Balance Transfers can take up to 10 working days to process and it is quite normal to see the balance on both cards for a few days, but keep an eye on thebalances to ensure that it does go through correctly.