Barclaycard, cheque?

aj23_2

stevenhp1987 wrote: »

If a transaction gets rejected, I just call the bank (number on back of card) and verify the transaction with them. The card would then get unblocked. If you start paying by card in this manner, then they won't continually block it.

I've found it rare for this to happen in the first place.

If you insist on avoiding cards etc. then you could go into branch and pay by either cash (at Barclays) if they allow this or (better and safer) getting them to do a bank transfer in branch (your main bank) to pay off the credit card. You could also perform the later over the phone with your bank.

Thank you for the info.

DCFC79

aj23 wrote: »

Not on mine there isn't. It's on DD, PingIt or Debit Card.Online or app.

Thats enough of a choice is it not ?

Not had a DD fail on me yet and Ive got various ones.

I get you want to by cheque but you have a choice, use 1 of the methods you found or get a different card that allows payment by cheque.

aj23_2

sambaird wrote: »

You don't seem to have a problem having direct debits for other things... see your post from 9th Jan here in budgeting and banking:

"My direct debits are with NatWest currently. I was with Halifax and decided to switch to NatWest to get the £125 which is where my wage gets paid into (I'll need this for FD to qualify for not being charged at some point). I opened a TSB Classic Plus which I'm currently using as my main account to get the 5% as I didn't want to stay with NatWest as they don't offer any other decent accounts or pay interest (I wouldn't need their reward account). I also have a Tesco Bank Current Account.

I will most likely make FD my main account with wage and DDs, because I'll keep it for the RS, then have TSB and Tesco as interest earning accounts. I've already been with Halifax and Nationwide, so I can't get their offers again."

Personally think that paying by cheque by would lead to a lot more problems than if a direct debit somehow fails.

Do you send all of your cheques by recorded delivery? Just thinking if one got lost in the post and you missed a payment what your argument would be when the card company puts a charge on your account and a late payment marker on your credit file?

I have 4 direct debits for things where direct debit is the only option. I've had direct debits fail on my account before, sometimes abroad, and it's a headache trying to get it paid by another method if connections are bad. Electronic methods can and do fail. For something like a credit card, a direct debit is not my preference.

Cheques have never failed me and I've never had an issue with one being lost or returned. Nope I either use the freepost envelope or pay in a branch. I don't see why this is turning into peoples personal vendetta against cheques. If you don't use them, fine. But millions do.

You're talking hypothetically. What if my DD is missed or not taken on time. That goes against my credit file too. Works the same way.

I'm not really sure what the point of this post was but...

aj23_2

DCFC79 wrote: »

Thats enough of a choice is it not ?

Not had a DD fail on me yet and Ive got various ones.

I get you want to by cheque but you have a choice, use 1 of the methods you found or get a different card that allows payment by cheque.

I don't even know what PingIt is, I don't have or want online servicing for the card. And I don't want direct debit. I only took out the card as it's the best travel credit card.

I was simply asking about payment by cheque. Turns out they do,and other methods, but it's not listed on my statement. Yet pretty much everyone, except for two users, have gone way way wayyyy off topic and have taken the thread in a completely different and irrelevant direction. If you don't know the answer or can't help, then what's the point in replying. This isn't a debate on why use cheque.

Nasqueron

A cheque can get lost in the post, then you don't pay and get a failed payment/late payment charge which a direct debit (for the minimum amount anyway) avoids.


Cheques are still useful no doubt but they are being phased out. In 1999 the number of cheques were were around 140k-160k a month. 2009 60-80k a month. 2017 it was around 22-27k a month

aj23_2

Nasqueron wrote: »

A cheque can get lost in the post, then you don't pay and get a failed payment/late payment charge which a direct debit (for the minimum amount anyway) avoids.


Cheques are still useful no doubt but they are being phased out. In 1999 the number of cheques were were around 140k-160k a month. 2009 60-80k a month. 2017 it was around 22-27k a month

But I already know that. Like I said, I've not had issues with cheques. Why you'd only set up the minimum payment and then let it wrack up or then have to make subsequent payments if you don't need to, I don't know.

I'm not sure where you are getting your stats from, but they are completely wrong. In 2017 an average of 1.2 million cheques were cleared each day. You might want to have a look:

https://www.chequeandcredit.co.uk/information-hub/facts-and-figures/key-facts-and-figures-0

[Deleted User]

If a Direct Debit is missed (unlikely since it's automated) then you're covered by the mandate and the DD Guarantee.

What if a cheque gets lost in the post? Or fails to get processed in time?

You have no cover for that

Nasqueron

aj23 wrote: »

But I already know that. Like I said, I've not had issues with cheques. Why you'd only set up the minimum payment and then let it wrack up or then have to make subsequent payments if you don't need to, I don't know.

I'm not sure where you are getting your stats from, but they are completely wrong. In 2017 an average of 1.2 million cheques were cleared each day. You might want to have a look:

https://www.chequeandcredit.co.uk/information-hub/facts-and-figures/key-facts-and-figures-0

You set up the minimum on DD to guarantee you don't get late fees (which posting a cheque doesn't) and pay the rest by cheque.



I misread the numbers, it was 22-27m per month average based on the same website you quoted


https://www.chequeandcredit.co.uk/sites/default/files/monthly_payment_statistics_1990_to_december_2017.pdf



Any which way, the fact is the number of cheques is going down and down and will be phased out soon enough. 1999 to 2009 the number issued halved. In 1989 there were nearly 4bn issued, 30 years later it's 400m a year, 10% of that total. Cheques will be gone within probably 10 years and inside that period banks will increasingly be likely to charge you to have the cheque book because of the expense of processing them.


A bank transfer achieves exactly the same as a cheque from your home or even in branch.

sambaird

aj23 wrote: »

I'm not sure where you are getting your stats from, but they are completely wrong. In 2017 an average of 1.2 million cheques were cleared each day. You might want to have a look:

I don't think many of us on this thread dispute that cheques are still in use (I still get one from my 95 year old granny every year), what we are saying is that they are becoming less used for the type of transaction you are making (ie to a CC company).

Your stat shows that 1.2 million cheques are cleared each day... BUT compare that to the amount of transactions processed via direct debit in a day and it's less than 1%

From the about us section on the Direct Debit website (can't post links yet):

Since its inception, more than 130 billion transactions have been debited or credited to British bank accounts via Bacs and, in 2017, 6.34 billion UK payments were made this way. A new record was set in 29 November​ 2018, with 123 million transactions processed in a single day.

And yes... you say that you haven't had a problem with cheques being lost in the post (yet), but I would argue that the likelyhood of something being lost in the post would be much higher than a direct debit failing. And in the remote chance a DD does fail, you are covered by the DD guarantee - versus nothing via post.

aj23_2

Nasqueron wrote: »

You set up the minimum on DD to guarantee you don't get late fees (which posting a cheque doesn't) and pay the rest by cheque.



I misread the numbers, it was 22-27m per month average based on the same website you quoted


https://www.chequeandcredit.co.uk/sites/default/files/monthly_payment_statistics_1990_to_december_2017.pdf



Any which way, the fact is the number of cheques is going down and down and will be phased out soon enough. 1999 to 2009 the number issued halved. In 1989 there were nearly 4bn issued, 30 years later it's 400m a year, 10% of that total. Cheques will be gone within probably 10 years and inside that period banks will increasingly be likely to charge you to have the cheque book because of the expense of processing them.


A bank transfer achieves exactly the same as a cheque from your home or even in branch.

As I said I don't do online.

Nah banks won't charge. If they do, it will be to bank regardless. Charities and businesses depend on cheques. Read the link I sent.