matcom
(1000+ posts)
Send PM |
Profile |
Ignore
|
Thu Sep-22-05 06:00 PM
Original message |
DO NOT USE A DEBIT CARD TO BUY GAS!!! (WARNING) COULD COST YOU $75!!! |
|
Edited on Thu Sep-22-05 06:02 PM by matcom
ok. here is the scoop (per Mrs Matcom who is a collections officer at a bank):
Gas Stations are allowed to place a "hold" on your DEBIT CARD ranging from $1 - $75!
They are allowed to do this to verify you have the funds in your account. They will NOT tell you about this "hold" beforehand. Lets say you put $25 worth of gas in your vehicle. They have THE RIGHT to charge you the $25 for the actual gas AND they CAN HOLD up to an EXTRA $50 (again, UP TO $75) UNTIL the charge gets posted to your account! (THIS COULD TAKE UP TO 5 BUSINESS DAYS!)
This could cause BOUNCED CHECKS which will cost you EXTRA FEES with your bank, and possible declined purchases (if you run a low balance EVEN THOUGH the $$ may still be in your account)
TELL OTHERS. She works with this shit everyday!
|
Zomby Woof
(1000+ posts)
Send PM |
Profile |
Ignore
|
Thu Sep-22-05 06:01 PM
Response to Original message |
|
Will they do this if you enter it as a credit card on the gas pump instead?
|
matcom
(1000+ posts)
Send PM |
Profile |
Ignore
|
Thu Sep-22-05 06:03 PM
Response to Reply #1 |
|
Edited on Thu Sep-22-05 06:03 PM by matcom
BUT if you use an ACTUAL CREDIT CARD, you don't really run the risk of bounced checks.
this is 100% LEGAL for them to do. THE advice is USE A CREDIT CARD OR PAY CASH
|
Rabrrrrrr
(1000+ posts)
Send PM |
Profile |
Ignore
|
Thu Sep-22-05 06:02 PM
Response to Original message |
2. That's why I use your card. |
|
That, and it makes the gas free for me.
|
matcom
(1000+ posts)
Send PM |
Profile |
Ignore
|
Thu Sep-22-05 06:04 PM
Response to Reply #2 |
|
and all this time i thought DS1 was using it :grr:
|
Rabrrrrrr
(1000+ posts)
Send PM |
Profile |
Ignore
|
Thu Sep-22-05 06:06 PM
Response to Reply #5 |
|
Where do you think I got the numbers from?
|
DS1
(1000+ posts)
Send PM |
Profile |
Ignore
|
Thu Sep-22-05 06:24 PM
Response to Reply #2 |
20. He can afford it, old Slick 50 |
MissB
(1000+ posts)
Send PM |
Profile |
Ignore
|
Thu Sep-22-05 06:03 PM
Response to Original message |
4. Is it the bank's policy or the gas station's policy. |
|
My credit union dings $1 against a gas station purchase. I've never had a $75 hold. Ever. And I use all sorts of different gas stations.
|
matcom
(1000+ posts)
Send PM |
Profile |
Ignore
|
Thu Sep-22-05 06:04 PM
Response to Reply #4 |
|
your bank has nothing to do with it
|
MissB
(1000+ posts)
Send PM |
Profile |
Ignore
|
Thu Sep-22-05 06:07 PM
Response to Reply #6 |
8. Maybe it is a regional thing, then. |
|
I shop at Shell, Fred Meyers, Union 76, Chevron and Safeway for gas. None of those have ever put more than $1 of a hold against my account. :shrug:
|
matcom
(1000+ posts)
Send PM |
Profile |
Ignore
|
Thu Sep-22-05 06:09 PM
Response to Reply #8 |
9. don't know but she has a customer who bounced a BUNCH of checks |
|
they called VISA to verify this was legal. it is. the customer is out the extra $$
|
MissB
(1000+ posts)
Send PM |
Profile |
Ignore
|
Thu Sep-22-05 06:13 PM
Response to Reply #9 |
13. That would truly suck. |
Debi
(1000+ posts)
Send PM |
Profile |
Ignore
|
Thu Sep-22-05 06:10 PM
Response to Reply #8 |
10. Give me your account # and I'll try it out here in Iowa |
|
You can tell me how much gets charged to your card! ;)
|
MissB
(1000+ posts)
Send PM |
Profile |
Ignore
|
Thu Sep-22-05 06:13 PM
Response to Reply #10 |
|
How about I just post it here? ;)
|
Enraged_Ape
(1000+ posts)
Send PM |
Profile |
Ignore
|
Thu Sep-22-05 06:11 PM
Response to Original message |
11. I've had them hold back as much as 10% until the sale clears... |
|
but nowhere near $75. That would be a heck of a lot of gas (well, maybe not these days).
I would think if any gas station held back $75, they would run the risk of somebody going all Jonathan Winters* on them. (*Reference to the classic "gas station" scene in Stanley Kramer's "It's a Mad Mad Mad Mad World".
|
hickman1937
(1000+ posts)
Send PM |
Profile |
Ignore
|
Thu Sep-22-05 06:13 PM
Response to Original message |
14. Good to know. Here in Michigan gas prices are becoming a hugh |
KG
(1000+ posts)
Send PM |
Profile |
Ignore
|
Thu Sep-22-05 06:14 PM
Response to Original message |
15. i once had a hotel put a hold on my entire fucking credit card. |
|
got a room, went out for dinner, and my the resturant couldn't charge my my meal. luckily, i had the cash, but that shit pissed me off.
|
stlsaxman
(1000+ posts)
Send PM |
Profile |
Ignore
|
Thu Sep-22-05 06:16 PM
Response to Original message |
16. go to the ATM, remove the money it takes to fill the tank... |
|
and pay cash!
T' hell with them...
|
hyphenate
(1000+ posts)
Send PM |
Profile |
Ignore
|
Thu Sep-22-05 06:21 PM
Response to Original message |
17. The Gibbs around here |
|
say that the pumps can only go to $50, so that's their max. And when I've looked at my debit card, it shows $1 most of the time. I don't go to too many other stations because the gas is actually more expensive, anyhow.
|
Tafiti
(1000+ posts)
Send PM |
Profile |
Ignore
|
Thu Sep-22-05 06:22 PM
Response to Original message |
|
I look at my bank account almost everyday online, and that's never happened to me...yet.
I'll keep a watchful eye though. Thanks for the advice. :thumbsup:
|
DS1
(1000+ posts)
Send PM |
Profile |
Ignore
|
Thu Sep-22-05 06:24 PM
Response to Original message |
19. Yeah, saw a report on this on 60 minutes |
|
a family got screwed because the hold was for THREE DAYS!!!!
|
DU
AdBot (1000+ posts) |
Fri Apr 26th 2024, 06:26 AM
Response to Original message |