£100 for £20 petrol

GDJTAM

This is probably old news but I went to Sainsbury's today to put £20 worth of petrol in my Little Aygo. I used the pay at pump as I normally do at ASDA or Morrisons but today I used Sainsbury's. When I got home I went on to my bank and spotted a pending £100 (not £1.00) from Sainsbury's and my account balance was £100 less.

I telephoned my bank and was told this is a policy by VISA and MasterCard and Sainsbury's have opted in. When talking to the advisor I asked what happens to those that do not have £100 in their account and no overdraft agreement? He told me the automatic overdraft charge would apply! He then advised me to change stations or to pay in the kiosk.

Surely this can't be right, there must be 000s getting charged for something out of their control?

TadleyBaggie

Surely as it is only a pending £100 (which is never actually taken), you are not put into your overdraft. 

born_again

Seems you spoke to a rep that either was not paying attention or did not understand your question.
As the amount that debits is the amount of the fuel you took. So, Unless that is more than your account balance there are no overdraft charges...

No one is getting charged for anything that is in their control.

Overdrafts only apply to debited funds. NOT authorisations. 👍

DB1904

GDJTAM said:

This is probably old news but I went to Sainsbury's today to put £20 worth of petrol in my Little Aygo. I used the pay at pump as I normally do at ASDA or Morrisons but today I used Sainsbury's. When I got home I went on to my bank and spotted a pending £100 (not £1.00) from Sainsbury's and my account balance was £100 less.

I telephoned my bank and was told this is a policy by VISA and MasterCard and Sainsbury's have opted in. When talking to the advisor I asked what happens to those that do not have £100 in their account and no overdraft agreement? He told me the automatic overdraft charge would apply! He then advised me to change stations or to pay in the kiosk.

Surely this can't be right, there must be 000s getting charged for something out of their control?

You're obviously not that on the ball checking statements because Asda do that too.

greyteam1959

Well my Asda filling station only pre authorises £1.00.

400ixl

greyteam1959 said:

Well my Asda filling station only pre authorises £1.00.

I think it depends on what card you use as to whether it does a £1 or £100 hold.

greyteam1959

Santander MasterCard credit card.

emmajones1976

Chase and Halifax debit cards only pre auth £1 at Asda also.

daveyjp

Depends on the outlet, not the card.

https://www.moneysavingexpert.com/news/2021/07/changes-to-pay-at-pump-up-to-p100-withheld-from-customers-accoun/

400ixl

daveyjp said:

Depends on the outlet, not the card.

https://www.moneysavingexpert.com/news/2021/07/changes-to-pay-at-pump-up-to-p100-withheld-from-customers-accoun/

So why does the same Sainsburys hold £1 on one of my cards, but £100 on another?

One is Visa and one is Mastercard.

roddydogs

Get a credit card!