ordering on line,payments taken straight away?

4 replies
Found 9th Jun 2009
Hi i want to order the acer laptop from 3 network but theres a admin charge of £1.95,i know it sounds silly but due to fraud on my acc last week i dont have any funds in my acc atm but if i went with that 3 deal and put my card details in would it try and take the payment straight away and make me overdrawn>?


thanks

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Read this: direct.gov.uk/en/…158

Extracts:

Debit cards are linked directly to your bank account. You can use them to buy goods or withdraw cash and the amount is taken from your account right away.

What happens if there's not enough money in your account?
This will depend on the type of debit card you have:
if you have a ‘Solo’ or ‘Electron’ debit card the balance in your account is checked before each transaction – if there’s not enough money you won’t be able pay or withdraw cash with the debit card without prior agreement
if you have ‘Switch’, ‘Visa’ or ‘Delta’ card your account balance won’t necessarily be checked and the payment may still go through

If the money is not in your account its more then likely to decline it but sometimes retailers have a floor limit.if the amount is under it it wont ask your bank whether you have the money in your account or not it will just take it... causing you problems with the bank as you dont have the funds.It will take you overdrawn and you will get charged. My advice is dont try it if you dont have the money.

Original Poster

mamamia7;5450028

If the money is not in your account its more then likely to decline it … If the money is not in your account its more then likely to decline it but sometimes retailers have a floor limit.if the amount is under it it wont ask your bank whether you have the money in your account or not it will just take it... causing you problems with the bank as you dont have the funds.It will take you overdrawn and you will get charged. My advice is dont try it if you dont have the money.



yeh thats what i was thinking,will hold out till fri thanks

Banned

I know when i use my card over then net if i avnt got enough i get charged if it goes over a certain amount, like once i used it and went overdrawn and never got chrged, the next time i went overdrawn by about £5 and did get charged, im not sayin try and risk it like, but just explainin whats happened to me b4.
If i was as unsure about it as u r then dont do it.
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