Accidentally got cash out of ATM using credit card not cashpoint

[Deleted User]

did the exact same thing, didnt realise till I got my credit card statement, I phoned my bank and explained that I had made the error and they were kind enough to reinburse the charges. Now I make sure that my debit card is on top of my credit card so I wont make the same mistake.

Grumpysally

agrinnall wrote: »

No, it's the correct term, and used worldwide. Those of us in the industry (which I used to be) rarely use anything else. Some parts of the UK general public still seem to use the name of a particular bank's branded ATMs, and that seems most common with Lloyds' Cashpoint, but it always slightly annoys me when it's used for an ATM that actually isn't a Cashpoint.

Oh dear, as someone, who seethes inside every time some one uses the name Hoover when referring to any vacuum cleaner. It now seems I've been committing a similar sin myself
In my defence, I was a Lloyds customer when I got my first 'Cashpoint' card.

I can't bring myself to use 'ATM' though, feels too American. I'll go back to 'hole in the wall'. Or as my children used to think of it, ' that machine that gives you money' (Younger one still does, grown up ones now realise the truth )

chattychappy

AlisonW wrote: »

Oh dear, as someone, who seethes inside every time some one uses the name Hoover when referring to any vacuum cleaner. It now seems I've been committing a similar sin myself
In my defence, I was a Lloyds customer when I got my first 'Cashpoint' card.

No sin, my child! Frankly I just "seeth" when people tell me what words I should and should not use. The reason why "hoover" has stuck, I suppose, is because it's easier to say than "vacuum cleaner". I prefer "cash machine" to ATM, but don't mind people using ATM. But I certainly won't use ATM because somebody from the industry tells me they know best. In the same way, I won't use "cardiac arrest" because a doctor says "heart attack" is wrong.

Frankly descriptive grammar is much more interesting than prescriptive grammar, but both have their place.

salwar

Personally I would contact my credit card company & explain the situation, as Doliver says - they may refund the fee or not but you can then ask them directly how best to pay this off

POLAR_BILL

salwar wrote: »

Personally I would contact my credit card company & explain the situation, as Doliver says - they may refund the fee or not but you can then ask them directly how best to pay this off

They would probably ignore you, I was charged £12 when my credit limit was exceeded by a few pence for one day and ten years counted for nothing. Hubby also recently drew cash with credit card and it was a fee of £3 plus daily interest and he didn't need the cash after all. I paid the whole balance on card to ensure no more interest was charged

EarthBoy

Jonmenzies wrote: »

I am not sure if there are other banks that gave their ATM a name?

Yorkshire Bank used to call theirs "Minibanks", and I occasionally still here people use that word.

Based solely on what I overhear people saying, and not on any scientific survey, I think "cash machine" is the most used term.

rwgray

I think Lloyds sensibly introduced "Cashpoint" in the eighties because no-one would have understood ATM since we did not employ tellers but clerks. Yes, I did used to have a Cashpoint card before there were Debit cards available, and I do still use the term, but I use it to refer to the machines and not the cards.

Similarly, each bank has its own terms and conditions which do, as the saying goes, vary from time to time like interest rates. Some lenders now make it very clear that they use your deposits to pay off the most costly lending first, while any free credit would be settled last. But you have to be prepared to wade through the small print to check this. Not fine print, as (once again), we are not west of The Pond.

Note that there are also huge variations in the up-front % charges made for cash advances, balance transfers and cash transfers. And certain types of credit card transaction will be classed as cash transactions for the purposes of charging, e.g. using Mastercard with any kind of gaming company. Always check first. Using a small transaction first to check rates can trigger a disproprtionate minimum fixed fee, so best avoid this if possible. But I digress...

Rich.x