I prefer debbot just because that way I am never in debted to the Evil
Corporate Taskmasters (TM). Anyway, that's a lil offtopic, so I'll shut up.
----- Original Message -----
From: "Evelyn Weckerly" <[EMAIL PROTECTED]>
To: "Braillenote List" <[email protected]>
Sent: Wednesday, September 14, 2005 11:31 AM
Subject: Re: [Braillenote] Transplant customers with debit cards BE WARE
Hi, Rusty,
That is an example of why I don't use debit cards. As a matter of fact,
you have much more protection if you use a credit card--I mean, against
theft and billing problems.
Evelyn
At 01:44 PM 9/14/05, you wrote:
Hi folks, at the risk of getting stomped on again, I want to make those
who
are considering an Mpower transplant aware.
If you use a debit card, be ware that Humanware's system will
"preauthorize"
your card. As I understand it, a charge is done in two stages. The request
for the charge--to make sure the money is there--and then a finalization
of
the charge--to request the funds. In my case, this meant that they charged
my debit card for nearly $2200--to see if I had enough money--but they
didn't plan to "finalize" the charge. I wasn't made aware of this; it
could
be that I did not tell them I was using a debit card.
My bank puts the funds on hold in preparation for the finalization. Two
days
after calling Humanware, I spoke to my bank and discovered that my
checking
account was $2000 overdrawn because of the Humanware "preauthorization." I
was surprised. Of course the funds will be in place when Humanware does
the
work, but I didn't expect to need them now.
After understanding the process, I wished that Humanware had explained
what
might happen.
So, if you are using a debit card, just be aware of this issue.
Rusty
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