Samed ay debit to credit card account

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  • boo_star
    boo_star Posts: 3,202 Forumite
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    Ben8282 wrote: »
    We will have to agree to disagree then. I know what I am talking about.

    So do I, I worked for a bank and have bank accounts with several different ones.

    I've never seen Tuesday's transactions (for example) dealt with on Thursday morning. Ever.
  • Ben8282
    Ben8282 Posts: 4,821 Forumite
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    boo_star wrote: »
    So do I, I worked for a bank and have bank accounts with several different ones.

    .
    We are not discussing bank accounts. We are discussing credit card transactions.
    I also have several credit card accounts and have been using credit cards for a very very long time.
    It's 2.30 in the morning. Perhaps you are tired and not understanding what I have written very well or I have confused you somehow..
  • boo_star
    boo_star Posts: 3,202 Forumite
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    Ben8282 wrote: »
    We are not discussing bank accounts. We are discussing credit card transactions.
    I also have several credit card accounts and have been using credit cards for a very very long time.
    It's 2.30 in the morning. Perhaps you are tired and not understanding what I have written very well or I have confused you somehow..

    Credit card accounts and bank accounts operate in exactly the same way (in my experience.) At least as far as how transactions are processed overnight.

    I guess we'll wait for other people to chime in at a more sociable hour.
  • BoGoF
    BoGoF Posts: 7,099 Forumite
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    Does anyone actually care - what difference does it make?
  • onwards&upwards
    onwards&upwards Posts: 3,423 Forumite
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    BoGoF wrote: »
    Does anyone actually care - what difference does it make?

    Someone who couldn’t really afford to make the transaction and was counting on a longer grace period perhaps?:rotfl:
  • stehouk
    stehouk Posts: 412 Forumite
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    jeez some people need to get out more instead of posting this inane drivel.
  • Ben8282
    Ben8282 Posts: 4,821 Forumite
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    edited 16 October 2019 at 6:34PM
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    The intention of this post was to start a sensible discussion on how a credit card chip/pin transaction undertaken by a merchant using a specific credit card processor came to be debited extremely quickly to the credit card account and outside the normal timescales for such a transaction.
    Instead, replies have implied that I don't know what I am talking about, that what has occurred here is normal when it is not and other comments such as
    BoGoF wrote: »
    Does anyone actually care - what difference does it make?
    apparently worthy of being thanked 3 times and
    stehouk wrote: »
    jeez some people need to get out more instead of posting this inane drivel.
    If this post is considered insane drivel the heaven help us!
  • born_again
    born_again Posts: 14,449 Forumite
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    Ben8282 wrote: »
    The intention of this post was to start a sensible discussion on how a credit card chip/pin transaction undertaken by a merchant using a specific credit card processor came to be debited extremely quickly to the credit card account and outside the normal timescales for such a transaction

    I have seen it a few times over the last few months.
    Not sure why, other than maybe processor has upgraded their systems to get debits the same day as they are made.
    Same seems to be happening on Current accounts as well.
    Life in the slow lane
  • born_again
    born_again Posts: 14,449 Forumite
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    onwards&upwards wrote: »
    Someone who couldn’t really afford to make the transaction and was counting on a longer grace period perhaps?:rotfl:

    Well that is the whole point of a credit card :rotfl:

    Only would come into play if nearly up to limit and could not make a payment for a few days, or just at point of statement being produced and wanted it on the next one...
    Life in the slow lane
  • phillw
    phillw Posts: 5,594 Forumite
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    born_again wrote: »
    Only would come into play if nearly up to limit and could not make a payment for a few days

    That is what I had assumed they meant.
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