PrePaid Cards

Trefor

This is probably the dumest question, thinking of getting a Prepard Debit Card to make purchase over the internet.

If I charge it for £100 and spend £60 then someone tries to debit £75 from it would that be reject as 'no funds' and if it does go through the systems would the card supplier be liable for the difference in the unauthorised withdrawal.

Bob_the_Saver

It shouldn't go through, a very good use of pre-paid cards. If you have a contract with the supplier however it DOES NOT mean that the contract is void, you still owe the money - however THEY might cancel the contract because of non-payment, or they might just ask for an alternative payment method.

Trefor

Thanks Bob appreciated it sounds much better than using a debit or credit card to my accounts.. now all I have to do is select a card.

chattychappy

Bob_the_Saver wrote: »

It shouldn't go through, a very good use of pre-paid cards. If you have a contract with the supplier however it DOES NOT mean that the contract is void, you still owe the money - however THEY might cancel the contract because of non-payment, or they might just ask for an alternative payment method.

For completeness, many "online offers" are (perhaps through the wording of the T+Cs of the website) "invitations to treat". When you place an order, you are actually making the offer which the merchant is free to reject. If the payment doesn't authorise, then they don't accept your offer. So there was never a contract (except perhaps terms of use of the website). If they accept, then there is a contract - if later the payment fails then, as you say, the money is owed.

Bob_the_Saver

Trefor wrote: »

Thanks Bob appreciated it sounds much better than using a debit or credit card to my accounts.. now all I have to do is select a card.

Fairfx Anywhere card (free with the right link - search forums)