We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
No Matter How You Pay !
EycplUK
Posts: 777 Forumite
Is there anyone else like me who is getting pi**ed off with the new breed of Television adverts for catalogue firms which state in the ad words .....
"Credit searches will be made and recorded , whichever method you choose to Pay "
In the present Crunch times i think we are all trying to keep our Credit Searches to a minimum and cannot see why a Catalogue firm would need to make these searches if you pay by , say , Credit Card !
Fair enough if you want to open a Credit line with them but why if you are paying by CC, Cash or DD ?
Have seen a few thing i would have liked to buy but not under those conditions !
"Credit searches will be made and recorded , whichever method you choose to Pay "
In the present Crunch times i think we are all trying to keep our Credit Searches to a minimum and cannot see why a Catalogue firm would need to make these searches if you pay by , say , Credit Card !
Fair enough if you want to open a Credit line with them but why if you are paying by CC, Cash or DD ?
Have seen a few thing i would have liked to buy but not under those conditions !
A Bast**d I May Be ! I Was Born One !
Whats Your Excuse ?
Whats Your Excuse ?
0
Comments
-
Catalogue firms are almost always more expensive than other shops, so why anyone would buy from them using a CC I fail to understand. Especially as if you use a voucher not issued to you they reserve the right to reclaim the money later...0
-
Is there anyone else like me who is getting pi**ed off with the new breed of Television adverts for catalogue firms which state in the ad words .....
"Credit searches will be made and recorded , whichever method you choose to Pay "
In the present Crunch times i think we are all trying to keep our Credit Searches to a minimum and cannot see why a Catalogue firm would need to make these searches if you pay by , say , Credit Card !
Fair enough if you want to open a Credit line with them but why if you are paying by CC, Cash or DD ?
Have seen a few thing i would have liked to buy but not under those conditions !
The company i work for do credit checks on all first time buyers to reduce the risk of fraud. A few years ago we had about £3000 worth of orders go out the door to an empty house bought using a cloned card. Needless to say, our company didn't get the funds and the goods were signed for by a person never to be seen again.
I can fully understand why companies do this, but then i understand why customers would be wary.0 -
The company i work for do credit checks on all first time buyers to reduce the risk of fraud. A few years ago we had about £3000 worth of orders go out the door to an empty house bought using a cloned card. Needless to say, our company didn't get the funds and the goods were signed for by a person never to be seen again.
I can fully understand why companies do this, but then i understand why customers would be wary.
So your company shipped goods to an address other than that registered for the card used to pay?"You were only supposed to blow the bl**dy doors off!!"0 -
maninthestreet wrote: »So your company shipped goods to an address other than that registered for the card used to pay?
We did. It's very common for us to have to as we are predominently B2b and cards are quite often registered to home addresses rather than the company.0 -
The company i work for do credit checks on all first time buyers to reduce the risk of fraud. A few years ago we had about £3000 worth of orders go out the door to an empty house bought using a cloned card. Needless to say, our company didn't get the funds and the goods were signed for by a person never to be seen again.
I can fully understand why companies do this, but then i understand why customers would be wary.
But if you are paying with a CC then payment is either authourised or declined , why do you need a credit search entered on your file ?A Bast**d I May Be ! I Was Born One !
Whats Your Excuse ?0 -
Why would you use a credit card to buy from a massively overpriced catalogue??
If you have a credit card, you could by the item MUCH cheaper from a Shop.0 -
Why would you use a credit card to buy from a massively overpriced catalogue??
If you have a credit card, you could by the item MUCH cheaper from a Shop.
I think you are missing the Point , its not about whether a catalogue is dear or cheaper but about Why they want to do a Recorded Credit search if you are paying by CC ? Aint it hard enough to keep your record straight without irrelevant Searches being carried out ? like i said , fair enough if you want credit from them , not so if you are paying full amount by CC !A Bast**d I May Be ! I Was Born One !
Whats Your Excuse ?0 -
Dunno, maybe, catalogues not my bag at all.
Isn't the credit search part of opening the account, not paying the bill??
What happens if your method of payment bounces for any reason? There must be an account for it to be able to go into the red.0 -
-
If it is a fradulent transaction the payment will go through, but will be reversed when the cardholder realises his details are being used.
So how would a credit search stop that ?
When the cardholder relises .............. ? what ?A Bast**d I May Be ! I Was Born One !
Whats Your Excuse ?0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600.1K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards