Using card with no funds - will it work?

davethorp

In this day and age nearly every transaction is checked for available funds. This is one reason why an increasing number of banks are offering full debit cards with their basic accounts as there is now very little risk in doing so.

Rewind 10 years to when I was in university and it was a very different story and I actually managed to heavily overdraw an account with RBS doing exactly the same thing you propose. I wouldn't recommend it as the damage to your credit file isn't worth the risk

Sharon87

If you saw that programme "How to Rob a Bank" the student in that did this thing at Spar. He went overdrawn by about 8 grand and they didn't even chase him till he was about 5k over! I'd recommend not doing it.

My uni also had a place where you can get emergency funds.

omelette451

LittleCharlie wrote: »

Or pay by cheque... Expensive when they bounce, but hey ho!

But didn't the OP say it wasn't a cheque guarantee card? Who among retailers would take a cheque without the card?

aliogilvie

I work for a University and we have a Student Financial Support Unit who will give out up to £100 on the same day in cases of real hardship/emergency, I would say that your current situation counts as both and certainly under our criteria they would give you some money to see you through.

Its a better option than getting into another pickle with your bank although I think its poor if they cant help you out in this situation.

Gazzy_B_2

It's usually 'pay at pump' machines that have floor limits of £50 or so nowadays.

I know my local Tesco, and Asda do.

Have you considered going to one of your local 'Money Shop' places, they do payday loans using a debit card of up to £250.

Not ideal, but may be cheaper than being charged excessively.

ShelfStacker_3

Gazzy_B wrote: »

Not ideal, but may be cheaper than being charged excessively.

The charges would be better than the nastiness of payday loans.

naijapower

In my opinin, it would be wrong for us to openly discuss shops and floor limits and bank cards that go through without authorisation as we would be indirectly providing valuable info to fraudsters.
It is a lot better to contact your bank and plead for O/D rather than abuse your card and account

Extant

naijapower wrote: »

In my opinin, it would be wrong for us to openly discuss shops and floor limits and bank cards that go through without authorisation as we would be indirectly providing valuable info to fraudsters.

Not only do they have that info already, it's of no use to them: they're not interested in spending time to get their "dud" stolen card details working. They'll just move on and use a different card. A "successfully" skimmed ATM could produce over 1000 sets of card details, easily.

On top of that, all of this information can be easily obtained anyway: ask your bank, and if they don't tell you, then you get the Data Protection Act involved.

The real reason we shouldn't discuss it is because it's the wrong route to take - OP needs to go ask for more overdraft space.