£1 charge to credit card for fuel?


U

Uncle Peter

The debit card for my NatWest current account is like that too. The
sort-code is shown on the front of the card, but not the account
number.

Of course the account has a number, it's just that it's not printed on
the debit card. Maybe it's some kind of security. Surely your friend
must have some other way to find out what her account number is.
Probably, but she was sufficiently annoyed not to bother. I showed her my Nationwide one and said get a decent bank.
 
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Y

Yellow

but are you sure that it's not actually reserved.

Often I can see my "amount available" has decreased by the value of the
purchase immediately, even though that purchase is not debited until
delivery day

tim
Yes, I am completely sure as my credit card's website lists
pending/reserved transactions as well as those that have been completed.

But anyway, Tesco do not know how much my shopping is going to cost
until it is picked and then delivered on the day - price changes,
unavailable items and substitutions make it a literal moving feast - so
how could they?
 
T

tim.....

Uncle Peter said:
On the subject of cards, I just noticed a friend has a debit card with a
sort code, a 16 digit Visa number, but no 8 digit account number. She was
trying to set up details with her mobile company for a contract but
couldn't, as they needed the account number.
It is hardly the banks' fault that she didn't have this information to hand
in some other form
I told her to phone the bank and ask them what the **** they're playing
at, as all my cards have an account number printed on them. It was RBS I
think. A current account with no account number?!?
Of course the account has a number, what hasn't happened is that they don't
print the number on the debit card.

ISTM that this is going to become a necessary security arrangement.

I am often asked [1] to give the associated number of my debit card as some
check that I am the legitimate holder. This is a nonsense if the number is
printed on the card

tim

[1] when setting up a continuous authority, not when making a purchase
 
U

Uncle Peter

It is hardly the banks' fault that she didn't have this information tohand
in some other form
Of course it is. She (like me) assumed that all the details were on thecard (as they are with every other bank), which she had with her.
I told her to phone the bank and ask them what the **** they're playing
at, as all my cards have an account number printed on them. It was RBS I
think. A current account with no account number?!?
Of course the account has a number, what hasn't happened is that they don't
print the number on the debit card.

ISTM that this is going to become a necessary security arrangement.

I am often asked [1] to give the associated number of my debit card assome
check that I am the legitimate holder. This is a nonsense if the number is
printed on the card
Well it would be enough reason for me to close my account if they ever took it off the card.
tim

[1] when setting up a continuous authority, not when making a purchase
 
A

Anthony R. Gold

Of course it is. She (like me) assumed that all the details were on the card (as they are with every other bank), which she had with her.
The only purpose for having the number of the underlying bank account
embossed onto the card was in connection with the UK Domestic Cheque
Guarantee Card Scheme, but that closed on 30 June 2011.
Of course the account has a number, what hasn't happened is that they don't
print the number on the debit card.

ISTM that this is going to become a necessary security arrangement.

I am often asked [1] to give the associated number of my debit card as some
check that I am the legitimate holder. This is a nonsense if the number is
printed on the card
Well it would be enough reason for me to close my account if they ever took it off the card.
That time will come so you may soon be without any bank account if you
decide to hold to that principle.
 
U

Uncle Peter

The only purpose for having the number of the underlying bank account
embossed onto the card was in connection with the UK Domestic Cheque
Guarantee Card Scheme, but that closed on 30 June 2011.
I've referred to it every single time I've set up a direct debit. If it wasn't there I'd be very irritated. Do you carry your bank statement around with you?
Of course the account has a number, what hasn't happened is that they don't
print the number on the debit card.

ISTM that this is going to become a necessary security arrangement.

I am often asked [1] to give the associated number of my debit card as some
check that I am the legitimate holder. This is a nonsense if the number is
printed on the card
Well it would be enough reason for me to close my account if they ever took it off the card.
That time will come so you may soon be without any bank account if you
decide to hold to that principle.
There will always be one that sticks with something people want. TSB for example have no plans to remove chequebooks, yet most people I know don't have one and cannot get one.
 
C

Chris Blunt

I've referred to it every single time I've set up a direct debit. If it wasn't there I'd be very irritated. Do you carry your bank statement around with you?
It just a matter of organizing your life in such a way that you can
get access to important bits of information when you need them. I
wouldn't carry a bank statement around with me, nor would I carry any
other documents, but if need be I can come up with key pieces of
information such as name of people, phone numbers, addresses, numbers
and expiry dates of things like passports, drivers license, etc
whenever I need them.

Chris
 
T

tim.....

Uncle Peter said:
Of course it is. She (like me) assumed that all the details were on the
card (as they are with every other bank), which she had with her.
you know what "assume" does don't you

tim
 
U

Uncle Peter

you know what "assume" does don't you
It means we expect the company to be more organised and helpful than it is. Why should I dig out a statement I probably don't have as I use internet banking, and probably don't have with me as I'm phoning from work and only have my card with me?
 
U

Uncle Peter

It just a matter of organizing your life in such a way that you can
get access to important bits of information when you need them.
No. I will not go to extra effort because someone in a bank has made a stupid decision.
I wouldn't carry a bank statement around with me, nor would I carry any
other documents, but if need be I can come up with key pieces of
information such as name of people, phone numbers, addresses, numbers
and expiry dates of things like passports, drivers license, etc
whenever I need them.
Because you have a good memory? Not everyone does.
 
S

Stephen Wolstenholme

No. I will not go to extra effort because someone in a bank has made a stupid decision.
That's what I decided with the stupid card reader they insist I use. I
just move any money to a different account rather than remembering
where I put the reader.

Steve
 
U

Uncle Peter

That's what I decided with the stupid card reader they insist I use. I
just move any money to a different account rather than remembering
where I put the reader.
My Nationwide account tries to make me use it, but I just click "use memorable information instead". What makes me laugh is the link "I've forgotten my memorable information".
 
C

Chris Blunt

No. I will not go to extra effort because someone in a bank has made a stupid decision.


Because you have a good memory? Not everyone does.
No, not from memory, but I organise myself in such a way that I can
get access to information like that when I need it. I use RoboForm,
which I can use from a smartphone or anywhere else where I can get
access to the internet. I'm sure there are numerous other ways of
achieving the same thing.

You said it all when you admitted you're not prepared to make the
extra effort. Some people are happy to continue struggling through
life and constantly having problems while others try make things
easier for themselves.
 
G

Graham.

The debit card for my NatWest current account is like that too. The
sort-code is shown on the front of the card, but not the account
number.

Of course the account has a number, it's just that it's not printed on
the debit card. Maybe it's some kind of security. Surely your friend
must have some other way to find out what her account number is.

Chris

My RBS debit card has always been like that, even going back to the
time when it was called "Switch".

Until now I had no idea that other debit cards had the account number
on them.

It's never caused me a problem.
 
U

Uncle Peter

My RBS debit card has always been like that, even going back to the
time when it was called "Switch".
That's why I don't have an RBS current account. Why use Switch when Visa is accepted everywhere?
Until now I had no idea that other debit cards had the account number
on them.

It's never caused me a problem.
I've been asked for the number many times when setting up a direct debit.. Very convenient to just take the card from my pocket.
 
C

Chris Blunt

My RBS debit card has always been like that, even going back to the
time when it was called "Switch".

Until now I had no idea that other debit cards had the account number
on them.

It's never caused me a problem.
With all the paranoia about not exposing your bank details in case
someone fraudulently sets up a direct debit agreement and drains your
account, I'm surprised that any of the banks still print the full
account details on debit cards.

If someone was a victim of this kind of fraud they'd be blaming the
bank for printing the number on the card. If they don't print the
number they still complain, so the banks can't win whatever they do.

Chris
 
U

Uncle Peter

With all the paranoia about not exposing your bank details in case
someone fraudulently sets up a direct debit agreement and drains your
account, I'm surprised that any of the banks still print the full
account details on debit cards.

If someone was a victim of this kind of fraud they'd be blaming the
bank for printing the number on the card. If they don't print the
number they still complain, so the banks can't win whatever they do.
You're not supposed to let people see your card. If you lose it you phone the bank immediately. Which would be well before a DD could get going.

And what about statements? They're covered in details, much more than your card, and they get thrown out when the next one arrives. I doubt many people bother shredding them.
 
C

Chris Blunt

You're not supposed to let people see your card. If you lose it you phone the bank immediately. Which would be well before a DD could get going.

And what about statements? They're covered in details, much more than your card, and they get thrown out when the next one arrives. I doubt many people bother shredding them.
In view of the security risks perhaps they should consider destroying
statements before discarding them.

You still need to show a debit card if you use it in most overseas
countries.

Chris
 
S

Stephen Wolstenholme

You're not supposed to let people see your card. If you lose it you phone the bank immediately. Which would be well before a DD could get going.
You are assuming everyone uses their card frequently. I only use my
card for paying the dentist so it could be weeks before I realised my
card was missing.
And what about statements? They're covered in details, much more than your card, and they get thrown out when the next one arrives. I doubt many people bother shredding them.
I don't get statements.

Steve
 
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U

Uncle Peter

You are assuming everyone uses their card frequently. I only use my
card for paying the dentist so it could be weeks before I realised my
card was missing.
If you never use it, how would you lose it?
I don't get statements.
Many people do, so why do the banks put so much details on them?
 

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