Hi, Rusty, Well, I was just concerned for you. That's all.
Evelyn At 04:53 PM 9/14/05, you wrote:
Evelyn, My debit card has all of the protections of a credit card. It is a Master card with most of the priveleges that "membership" brings. My bank will persue any illegal or unwanted charges. In fact, they asked me if I wanted them to contest the Humanware charge. I told them I'd speak to Humanware first. The major difference is that the funds are drawn directly from my checking account. Advantages are that I don't have to carry much cash, I won't spend without having the money and I pay no interest. I like it this way. This is the first time I've had a problem like this. Rusty ____________________ Skype: rustyperez Yahoo and AIM: reliroo Check out my blog at http://rusty-perez.blogspot.com -----Original Message----- From: [EMAIL PROTECTED] [mailto:[EMAIL PROTECTED] On Behalf Of Evelyn Weckerly Sent: Wednesday, September 14, 2005 12:31 PM To: Braillenote List 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 > > >___ >To leave the BrailleNote list, send a blank message to >[EMAIL PROTECTED] >To view the list archives or change your preferences, visit >http://list.humanware.com/mailman/listinfo/braillenote ___ To leave the BrailleNote list, send a blank message to [EMAIL PROTECTED] To view the list archives or change your preferences, visit http://list.humanware.com/mailman/listinfo/braillenote ___ To leave the BrailleNote list, send a blank message to [EMAIL PROTECTED] To view the list archives or change your preferences, visit http://list.humanware.com/mailman/listinfo/braillenote
