Things you always wanted to know the answer to [Vol. 5]
Discussion
StevieBee said:
Whenever I go to London by train, I tap in and out using my Debit Card. I noticed this week that on the day of travel, 10p is taken from my account with the full fare taken the following day. a) why is this? b) what's stopping me clearing out the account and having a day of travel in London for 10p?
An unauthorised overdraft? Is that still a thing these days?StevieBee said:
Whenever I go to London by train, I tap in and out using my Debit Card. I noticed this week that on the day of travel, 10p is taken from my account with the full fare taken the following day. a) why is this? b) what's stopping me clearing out the account and having a day of travel in London for 10p?
The 10p would be a pre-authorization charge I would imagine, although I'm surprised it actually shows up as a separate debit as usually pre-authorization charges are better integrated than that and usually end up as a single charge. See https://en.wikipedia.org/wiki/Authorization_hold
As for your point (b), since it is a debit card linked to your current account, you would simply incur an overdraft if you cleared out your account. And if you tried to close your account then a pre-auth charge would show up and it would have to be settled first.
I guess if you had a pre-paid credit card with no personal details that bailiffs could come chasing then you could try to do (b) but I suspect that as soon as you tapped out it would flag up insufficient funds or something. I don't know. But I would imagine that the scenario has been thought of by TfL and I would imagine the gate would remain closed, a Ticket Inspector would be called, and there would be lots of people behind you tutting.
So it's not something that I need to do but I was watching a video of m539 replacing the projectors in a set of lights as the existing ones had degraded
And was then looking at kits to do it and read the below
"These products are not ECE or DOT/FMVSS108 approved and must not be used on public roads in any exterior application. Use on public roads will invalidate both the operating license and insurance coverage."
So I know your not allowed to use hid/led kits in halogen reflectors any more by lawbut are you actually not able to replace/update the projector in a set of lights that was already actually a hid lighting device? As you are allowed to upgrade the light from halogen/led if there is a factory option of it and you retrofit self leveling and headlight washers.
Is the only option swapping the entire unit or potentially being able to swap the projector for the specific part that honestly never seem to be available from the oe? Is re-silvering allowed?
And was then looking at kits to do it and read the below
"These products are not ECE or DOT/FMVSS108 approved and must not be used on public roads in any exterior application. Use on public roads will invalidate both the operating license and insurance coverage."
So I know your not allowed to use hid/led kits in halogen reflectors any more by lawbut are you actually not able to replace/update the projector in a set of lights that was already actually a hid lighting device? As you are allowed to upgrade the light from halogen/led if there is a factory option of it and you retrofit self leveling and headlight washers.
Is the only option swapping the entire unit or potentially being able to swap the projector for the specific part that honestly never seem to be available from the oe? Is re-silvering allowed?
What's the reason behind the seemingly random request for your PIN when a debit card swipe is refused ?
I understand if I was using it in the Starbucks in downtown Tomsk but
in my local Co-Op where I use it dozens of times a month.
It's the Lizard People [ and Allied Soroptimists ] innit ?
I understand if I was using it in the Starbucks in downtown Tomsk but
in my local Co-Op where I use it dozens of times a month.
It's the Lizard People [ and Allied Soroptimists ] innit ?
Nethybridge said:
What's the reason behind the seemingly random request for your PIN when a debit card swipe is refused ?
I understand if I was using it in the Starbucks in downtown Tomsk but
in my local Co-Op where I use it dozens of times a month.
It's the Lizard People [ and Allied Soroptimists ] innit ?
If by "swipe" you mean contactless payment rather than actually swiping the magnetic strip through the machine then isn't that what is supposed to happen? i.e. only allowed so many unauthenticated transactions before an authenticated one is required?I understand if I was using it in the Starbucks in downtown Tomsk but
in my local Co-Op where I use it dozens of times a month.
It's the Lizard People [ and Allied Soroptimists ] innit ?
Nethybridge said:
What's the reason behind the seemingly random request for your PIN when a debit card swipe is refused ?
I understand if I was using it in the Starbucks in downtown Tomsk but
in my local Co-Op where I use it dozens of times a month.
It's the Lizard People [ and Allied Soroptimists ] innit ?
I’m assuming you’re referring to contactless payment, I have been told that there’s a number of transactions you can make before it will demand your PIN as a security measure. I have no idea what the number is.I understand if I was using it in the Starbucks in downtown Tomsk but
in my local Co-Op where I use it dozens of times a month.
It's the Lizard People [ and Allied Soroptimists ] innit ?
djc206 said:
Nethybridge said:
What's the reason behind the seemingly random request for your PIN when a debit card swipe is refused ?
I understand if I was using it in the Starbucks in downtown Tomsk but
in my local Co-Op where I use it dozens of times a month.
It's the Lizard People [ and Allied Soroptimists ] innit ?
I’m assuming you’re referring to contactless payment, I have been told that there’s a number of transactions you can make before it will demand your PIN as a security measure. I have no idea what the number is.I understand if I was using it in the Starbucks in downtown Tomsk but
in my local Co-Op where I use it dozens of times a month.
It's the Lizard People [ and Allied Soroptimists ] innit ?
Pin is required to ensure it's you using the card.
Composer62 said:
I'm pretty sure it's related to the withdrawal limit on your card. It's to stop card thieves emptying your account using just contactless payments.
Pin is required to ensure it's you using the card.
Hmm I'm PIN requested far more in Sainsbury's than any other grocery shoppe, and use my card just as regularly in another bodega and seller of commodities.Pin is required to ensure it's you using the card.
During lockdown when I was PIN tested in Sainsbury's I noted wryly it was one of the only surfaces never bio-wiped. Never mind f
king Covid, can't have people losing money because the banks may have to cover it, whatever the virus wiping out humanity does.djc206 said:
Nethybridge said:
What's the reason behind the seemingly random request for your PIN when a debit card swipe is refused ?
I understand if I was using it in the Starbucks in downtown Tomsk but
in my local Co-Op where I use it dozens of times a month.
It's the Lizard People [ and Allied Soroptimists ] innit ?
I’m assuming you’re referring to contactless payment, I have been told that there’s a number of transactions you can make before it will demand your PIN as a security measure. I have no idea what the number is.I understand if I was using it in the Starbucks in downtown Tomsk but
in my local Co-Op where I use it dozens of times a month.
It's the Lizard People [ and Allied Soroptimists ] innit ?
StevieBee said:
Whenever I go to London by train, I tap in and out using my Debit Card. I noticed this week that on the day of travel, 10p is taken from my account with the full fare taken the following day. a) why is this? b) what's stopping me clearing out the account and having a day of travel in London for 10p?
It's a to calculate the correct fare for your day's travel. Oyster has a daily fares cap of varying amounts depending on what time you travel and by what means and it's possible to spend under that with just one or two journeys made. It won't know what to charge until you've completed a full day's travel (which will be until 04.30 the following morning) so a small pre-auth amount is taken (to ensure card validity and whatnot) and then the full correct fare the next day.popeyewhite said:
Composer62 said:
I'm pretty sure it's related to the withdrawal limit on your card. It's to stop card thieves emptying your account using just contactless payments.
Pin is required to ensure it's you using the card.
During lockdown when I was PIN tested in Sainsbury's I noted wryly it was one of the only surfaces never bio-wiped. Never mind fPin is required to ensure it's you using the card.
king Covid, can't have people losing money because the banks may have to cover it, whatever the virus wiping out humanity does.Seriously, do you really talk like that when with acquaintances or are you just trying to show off on here?
Johnspex said:
popeyewhite said:
Composer62 said:
I'm pretty sure it's related to the withdrawal limit on your card. It's to stop card thieves emptying your account using just contactless payments.
Pin is required to ensure it's you using the card.
During lockdown when I was PIN tested in Sainsbury's I noted wryly it was one of the only surfaces never bio-wiped. Never mind fPin is required to ensure it's you using the card.
king Covid, can't have people losing money because the banks may have to cover it, whatever the virus wiping out humanity does.Seriously, do you really talk like that when with acquaintances or are you just trying to show off on here?
Yeah I speak like that all the time, obvs.
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