Cash taken out by mistake

Any

Sorry I didn't realise there were still answers coming. Thank you all. I waited until it showed on my recent transactions and paid off £60 by FP.

YorkshireBoy wrote: »

IIRC your card is run by MBNA?

If so, you're fortunate as many card providers apply your payments to statemented transactions before unstatemented transactions.

MBNA are one of those who don't make you wait for a statement, so as soon as you see the transaction listed in your online area send them an FP (NOT a debit card payment online/by phone) and add on a quid or so just in case you're a day or two late.

Here's the relevant MBNA condition on allocation of payments...

Thank you.
The balance since the previous statement was paid off by then anyway. It was all just question of applying the payment against that withdrawall..

guesswho2000 wrote: »

Unfortunately MBNA have one of the highest cash withdrawal fees around, min £5 or 5% unless I'm wrong? Not the end of the world, but still.

Yes!! £5. on £50 withdrawall that is 10%.. Well, one can say I paid dearly for my mistake...

YorkshireBoy wrote: »

Makes their 4% money transfers seem a good deal then!

Amen to that..

CKhalvashi

YorkshireBoy wrote: »

I've always done that...just one for each type (even when I had as many as 12 credit cards, and still now with my 18 current accounts!...not advice, but it works for me).

I have about 20 cards with me at any one time, and have a different system to remember.

I can't tell you what, but when the card is in the reader, you can see the PIN, and it's not obvious (nor is it one of the 4 digit numbers, although it is based on this)

CK

Cycrow

i have different pins on my cards but i have still mistakenly taken cash out on a credit card before.

however, my mistake was that i forgot to put my debit card back in my wallet, and while i was out, i needed cash, so i ended up using the credit card

Any

CKhalvashi wrote: »

I have about 20 cards with me at any one time, and have a different system to remember.

I can't tell you what, but when the card is in the reader, you can see the PIN, and it's not obvious (nor is it one of the 4 digit numbers, although it is based on this)

CK

I know you don't want to tell us, but I am assuming given your clues it is last 2 digit of the one before last group of numbers and first 2 digit the one after that or something like that???

I think I will go with YB's suggestion..

I work with so many numbers every day that sometimes I am wiped out and don't really want a different PIN for each card... combined with the amount of passwords, pins, memorable words, memorable letters, customer numbers etc for ones I am sure my mind would explode!!

But different PIN for each group (current/credit cards) is doable..

Thanks

YorkshireBoy

Any wrote: »

combined with the amount of passwords

I only have one key password, let's say it's ABCD1234...

This is used in various formats depending on whether I need alpha, numeric, or alpha-numeric passwords, eg

8 digit alpha: ABCDABCD
8 digit numeric: 12341234
6 digit alpha-numeric: ABCD12
6 digit numeric: 123412
5 digit alpha: ABCDA

And for Lloyds, for example where there's a two stage log in after the username I simply reverse the 2 halves of the 8 digit alpha-numeric, so first stage is ABCD1234 and second stage is 1234ABCD.

The only one's I have 'trouble' with are the bank assigned numerical user names issued by Lloyds, Santander, Nationwide, etc, since these are usually only used once a month for the £1K money-go-round!

Any

YorkshireBoy wrote: »

I only have one key password, let's say it's ABCD1234...

This is used in various formats depending on whether I need alpha, numeric, or alpha-numeric passwords, eg

8 digit alpha: ABCDABCD
8 digit numeric: 12341234
6 digit alpha-numeric: ABCD12
6 digit numeric: 123412
5 digit alpha: ABCDA

And for Lloyds, for example where there's a two stage log in after the username I simply reverse the 2 halves of the 8 digit alpha-numeric, so first stage is ABCD1234 and second stage is 1234ABCD.

The only one's I have 'trouble' with are the bank assigned numerical user names issued by Lloyds, Santander, Nationwide, etc, since these are usually only used once a month for the £1K money-go-round!

Well, I use members and passwords in combinations, but when you then go into an account that you only use occassionaly (like BT card set up on DD, so you look once a month or so), I sit here and trying to remember what was it these specific people wanted... password with letters? Capital letters needed? Just a word? Just numbers? Hmmmm...

And then I controll the banks at work.. And Natwest wants you to change passwords every 3 mths or so.. and will not let you use any part of the password used before.. fun fun fun!!