Hi: - Humanware is not doing anything wrong or any improper practices when
it comes to their debobt card procedures this is a typical transaction
process. A company must have some built-in protection when dealing with
debbot cards since unlike a credit card, the debbot card is only as good as
your bank account, and if you overdraw your account through a purchase the
only real party to get burnt is the business for non-payment of services
rendered. Credit cards have built-in purchase protection both for the
purchaser of services, and for the business providing them. All the best. -
Kim
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-----Original Message-----
From: [EMAIL PROTECTED]
[mailto:[EMAIL PROTECTED] On Behalf Of Lysander
Sent: Wednesday, September 14, 2005 5:55 PM
To: Braillenote List
Subject: Re: [Braillenote] Transplant customers with debit cards BE WARE
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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>
>
>
>
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>
>
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