hsbc visa debit card

ceedee1

i made an online purchase on wednesday night (i booked a flight for which i have already received confirmation) using my new hsbc visa debit card,its now friday and the money is yet to be debited from my account.

i was wondering how long does it usually take for the money to be debited as i would of expected the money to have been debited by now as it would have been in the past were i using my old hsbc maestro card.

any help much appreciated,thanks

seeya23

sometimes it take 2 to 3 days ive had some take a week

Andy_Ches

Hi

My transactions with my HSBC Visa usually come out the next working day after the purchase has been made....the same that used to happen with my HSBC Maestro.

Some transactions of mine have taken 5 days, just depends on when the retailer banks the transaction.

debtdestroyer007

it really depends.... but the authorisartion should take into account ur available balance.... i know debit cards some times are a bit slow in registering info.

i would factor the cost of purchase when using the cards.... in case these scam merchants decide to charge u for exceeding \any overdraft or just going overdrawn

ceedee1

cheers guys :beer:

the money has now been debited.

never-in-doubt

I just got back from the pub and my debit there is already missing from my available balance...... that's within an hour!

ceedee1

never-in-doubt wrote: »

I just got back from the pub and my debit there is already missing from my available balance...... that's within an hour!

how much did you spend?

my purchase was for 510 quid online...maybe smaller shop transactions are instant..

never-in-doubt

ceedee1 wrote: »

how much did you spend?

my purchase was for 510 quid online...maybe smaller shop transactions are instant..

Personally you have that the wrong way round lol, larger amounts would ALWAYS be authorised, smaller sometimes go through using what was known as the floor limit.

I spent £74 odd.....

ceedee1

never-in-doubt wrote: »

Personally you have that the wrong way round lol, larger amounts would ALWAYS be authorised, smaller sometimes go through using what was known as the floor limit.

I spent £74 odd.....

thats why i said 'maybe'

im an amateur when it comes to money matters which is why i thought id ask the experts (you lot)

never-in-doubt

ceedee1 wrote: »

thats why i said 'maybe'

im an amateur when it comes to money matters which is why i thought id ask the experts (you lot)

Lol, trust me we're all amateurs really ......... big pond, little fish and all that! :rolleyes: I know what you mean but logic would suggest smaller payments use a floor limit whereas larger would have to be authorised..... but then this is banks we're speaking about so logic goes out the window lol :eek:

Andy_Ches

never-in-doubt wrote: »

Personally you have that the wrong way round lol, larger amounts would ALWAYS be authorised, smaller sometimes go through using what was known as the floor limit.

I spent £74 odd.....

£74 at the pub! :eek::D