Cancelled - but they're still allowing transactions?

Brian_A_2

Thanks folks.

Smile didn't make all this at all clear - their customer service sucks. And the whole idea that you have to let the payment happen then dispute it is (to me at least!) distinctly odd! Ah well, you live and learn ...

meer53

Brian_A wrote: »

Thanks folks.

Smile didn't make all this at all clear - their customer service sucks. And the whole idea that you have to let the payment happen then dispute it is (to me at least!) distinctly odd! Ah well, you live and learn ...

Why is it odd ? How can you dispute a transaction if it hasn't debited ?

Brian_A_2

meer53 wrote: »

Why is it odd ? How can you dispute a transaction if it hasn't debited ?

I meant, as opposed to disallowing the transaction in the first place.

Analogy: you have a bank current account against which you've written a post-dated cheque. You close the current account. The person who has that post-dated cheque can't then, at a later date, present it and get paid. So to me it seems odd that CCs don't work the same way.

Hominu

Brian_A wrote: »

Analogy: you have a bank current account against which you've written a post-dated cheque. You close the current account. The person who has that post-dated cheque can't then, at a later date, present it and get paid. So to me it seems odd that CCs don't work the same way.

A cheque takes 6 working days to clear.

People expect to be able to use a credit card in places where the vendor doesn't have access to the issuing bank (for example, whilst aboard an aircraft). So you can't check to see if the account associated with the card is valid. Lots of stores also work in the same way - processing payments in bulk at the end of the working day as its cheaper.

However, if you want the functionality you describe, you can get it using an offline debit card. Such a card will require a connection to the bank for the transaction to be approved. If no such connection is available, the transaction will be automatically declined. The transaction would also be declined for a transaction of an as-yet unknown value, such as Pay@Pump.

dalesrider

Brian_A wrote: »

I meant, as opposed to disallowing the transaction in the first place.

Analogy: you have a bank current account against which you've written a post-dated cheque. You close the current account. The person who has that post-dated cheque can't then, at a later date, present it and get paid. So to me it seems odd that CCs don't work the same way.

Would you be surprised to know that it could/will still be paid.

NO account is ever fully closed and can be reopened by a payment coming through.

YorkshireBoy

Brian_A wrote: »

Analogy: you have a bank current account against which you've written a post-dated cheque.

Wouldn't you be breaking the T&Cs of your account if you wrote such a cheque?

Also, up until recent times, a cheque could be guaranteed (up to £50/£100). What happened then?...Answer, the account was re-opened to 'absorb' the payment instruction.