Hello,
It is common practice for companies to preauthorize the sale.
After all, they need to know that the money is available.
All commercial companies follow this practice.
Virgie Underwood
----- Original Message -----
From: "Jean Menzies" <[EMAIL PROTECTED]>
To: "Braillenote List" <[email protected]>
Sent: Wednesday, September 14, 2005 5:26 PM
Subject: Re: [Braillenote] Transplant customers with debit cards BE WARE
Well, one of the concepts of using a debit card is that it's an instant
transaction without handling cash. Unlike a credit card that is billed
on a monthly basis. I don't think you should be surprised that money
was set aside out of your account when you used it. That's how those
cards typically work. I really don't think this is a Humanware issue,
but rather, a discussion of how a debit card works, and that's not BN
related.
Jean
----- Original Message -----
From: "Rusty Perez" <[EMAIL PROTECTED]>
To: "'Braillenote List'" <[email protected]>
Sent: Wednesday, September 14, 2005 2:53 PM
Subject: RE: [Braillenote] Transplant customers with debit cards BE WARE
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
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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
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