RBS - confidential policy

eskbanker

https://forums.moneysavingexpert.com/discussion/comment/82097024#Comment_82097024

You may be confusing correlation with causation - plenty of credit card transactions are declined!

Having said that, there are other benefits from paying by credit card, such as cashflow, section 75 protection, etc…

Chief_of_Staffy

If you buy a potato peeler or a cutlery set from Amazon now, you have to pay by credit card. Given that our proactive governments are on the ball when it comes to crime, and dangerous items need tight regulation, retailers are mandated to do an ID check at the point of purchase in additional to the one at the point of delivery. And as I was informed last week, this cannot be done via debit card, only credit card.

On the upside, I can breathe easy that no potato peeler can fall into the hands of urban gang bangers or terrorists. It may be inconvenient, yes, but I perhaps I have saved a life. That's how I look at it.

UKX69

https://forums.moneysavingexpert.com/discussion/comment/82097031#Comment_82097031

M&S points. 😂

Yorkie1

 A history of large dental payments is clearly extraordinary, whereas a one-off large payment is normal.

You clearly haven't met my mother's teeth!!! 😱😂

COIAHLGW

https://forums.moneysavingexpert.com/discussion/comment/82095568#Comment_82095568

I know you understand as a forum member long enough and experienced enough to know odd things happen with banks and payment processors from time to time. Just as well you had plan B lined up instead!

Section62

https://forums.moneysavingexpert.com/discussion/comment/82097024#Comment_82097024

I tried to pay an undertaker for a funeral using my Barclaycard. First time the payment failed because the terminal wanted my house number, and the address the card is registered at doesn't have a number. The undertaker contacted their service provider who gave them a special code to enter instead.

On the second attempt at paying (a few days later) the card was declined three times. I asked Barclaycard why - first they said it was outside my normal spending pattern ☹️ and the card could have been used by a fraudster. I asked whether they really thought a fraudster would use someone else's card to pay for a funeral. They then decided it was because the merchant looked suspicious. The undertaker's merchant service provider was… Barclaycard, and had been several years.

Sometimes the systems just don't work as well as they should. (putting it politely)

sausage_time

The thought of paying for a funeral being part of a "normal spending pattern" is definitely a bit surreal.

jimjames

https://forums.moneysavingexpert.com/discussion/comment/82095568#Comment_82095568

I've found that the same account/card paid via GPay can work even when the card itself is declined so worth trying that in future as well.

confederated

https://forums.moneysavingexpert.com/discussion/comment/82099111#Comment_82099111

And vice versa too. I had my GPay card declined at a dentist. I used the actual card with my PIN and it worked fine.

UKX69

https://forums.moneysavingexpert.com/discussion/comment/82098554#Comment_82098554

Thankfully, I’ve never had a card declined, hence my comment about using a cc for larger fees or payments. But have had problems with Barclays in the past over payments into a current account. Terrible bank and wouldn’t go there again.