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First purchase

Sncjw
Sncjw Posts: 3,596 Forumite
Part of the Furniture 1,000 Posts Photogenic Name Dropper
Hi I bought some items from the boots sale on my credit card. I went to have a look online on my account and nothing has been recorders not even in the pending transactions which it would on my debit card.

How long do I have to wait for it to appear on my account. I bank with Halifax
Mortgage free wannabe 

Actual mortgage stating amount £75,150

Overpayment paused to pay off cc 

Starting balance £66,565.45

Current balance £55,819

Cc debt free.

Comments

  • Was it chip&pin or contactless..chip&pin transactions normally appear pretty much straight away. Contactless and Apple pay transactions may take a day or two longer to appear on the account.
  • For Chip&PIN transactions, the available credit will fall by the amount of the purchase pretty much straight away. For contactless this will not happen.

    The transaction should then appear 2 to 3 working days later.

    Halifax credit cards do not itemise pending transactions like they do with their debit cards.
  • Semple
    Semple Posts: 392 Forumite
    Seventh Anniversary 100 Posts Name Dropper Combo Breaker
    When were the purchases made?
  • Sncjw wrote: »
    Hi I bought some items from the boots sale on my credit card. I went to have a look online on my account and nothing has been recorders not even in the pending transactions which it would on my debit card.

    How long do I have to wait for it to appear on my account. I bank with Halifax

    The thing you need to be looking for is has your available credit to spend gone down according to your boots purchase? If it has then do not worry the boots transaction will appear in pending, unbilled and eventually in your balance within 10 days of the transaction.

    If the boots transaction has not lowered your available credit then it means the boots has not processed the transaction yet.
  • agrinnall
    agrinnall Posts: 23,344 Forumite
    10,000 Posts Combo Breaker
    They have 6 years (or 5 in Scotland) to claim the money, and it's generally agreed that in the first 6 months they can take the money from your card at any time without advising you - after that they should tell you that they intend to take it.
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