Q on debit card payments and when they go out

Legacy_user

Hi,can anyone help please,i am on a tight budget so check my online account daily,but seem to be having problems with debit card payments.
i know what is due and check and sometimes need to put some extra cash in or transfer some from savings when there is any there!
but recently i check my account,i did this morning at 8am and saw that 2 payments had gone out,checked again just before i left forwork at 10.30 still the same but by tonight another one had gone out on todays date not tomorrows,this has caused me to go overdrawn twice,the first time ithought it was my miscalculation,but when i think all is ok for that day only to look later and its not! i have never had this problem before,can someone help.
i rang online banking but the guy just didn't get it.Once i go to work i am stuck if i need to get cash in

~Beanie~

Don't spend more than you have in your account, simples!

Or pay the cash in after you make the transaction without waiting for it to debit your account first.

It is your problem, debits and card payments can theoretically go out anytime. If you are on such a tight budget you should know exactly how much you have in the bank and available, I know I do.

st999

That is why I buy everything on my cash back credit card.

Just one payment a month and my money is earning vast amounts of interest sitting in my vantage account.

grumbler

st999 wrote: »

...my money is earning vast amounts of interest sitting in my vantage account.

Indeed very useful information for the OP hoovering near the overdraft.

Hooloovoo

toomuchmess wrote: »

Q on debit card payments and when they go out

They go out the second you press "enter" after typing in your four digit PIN. Work by that rule all the time, and all your money problems will be over.

grumbler wrote: »

Indeed very useful information for the OP hoovering near the overdraft.

You mean all the OPs money has disappeared up his vacuum cleaner? That's good info, I'm sure he'll be excited to check that and get all of it back.

opinions4u

st999 wrote: »

That is why I buy everything on my cash back credit card.

Just one payment a month and my money is earning vast amounts of interest sitting in my vantage account.

It really isn't.

DominicJ_2

They go out the second you press "enter" after typing in your four digit PIN. Work by that rule all the time, and all your money problems will be over.

+1
Its a Debit Card
Its not a Credit Card.

pmduk

What you're being told is to keep your own record. You know your balance, you know what you spend. Keep track and you you don't need to worry about when transactions are debited.

pmduk

st999 wrote: »

Just one payment a month and my money is earning vast amounts of interest sitting in my vantage account.

Am I, and Martin Lewis ,missing out on a major source of income?

daveyjp

Using a debit card is by and large no different to using a cash point, except for some situations such as petrol station pay at pump and some mobile pay systems. As soon as you agree to the purchase the cash is no long available from your account.

If you have trouble with keeping track withdraw cash instead, if the money isn't there you won't be able to have it.

Hominu

st999 wrote: »

Just one payment a month and my money is not even keeping up with inflation whilst sitting in my vantage account.

Fixed that for you