If I did run out of cash, should I and can I use the credit card to withdraw money from ATM's
I thought credit card purchases were monitored to watch for usual / unusual activity, but my Tesco one has several times been switched off on me, when doing perfectly routine purchases, luckily never when abroad. Last time I was furious, and asked would it help if I rang the call centre first and told them what I was going to do. Not at all, I was told, it's the computer system.
Thanks for all the info and advice folks.
I really appreciate it.
I am right in my understanding then that if I want to use it to withdraw cash, then I have to preload it.
That if i do withdraw cash without preloading then there is an extra charge and interest for that even if it is paid off by the next payment date due like a purchase is.
I had this experience with Tesco Visa while in Belfast last week. The card was "suspended" without explanation. Their call centre closes at 6pm so when I managed to contact them the following day they told me that it is policy to suspend a card after 10 transactions on the account in one day - regardless of amount or location. It then resets at midnight. They also told me that there would be no point in notifying them in advance that I would be using the card more than this, or abroad, as their system cannot be altered to allow for this. I'm not sure if this is a feature of all Visa cards or is just unique to Tesco.
Never heard of that to be honest. Neither the suspension or the 10 transaction thing. My card is from AIB - I've shyed away from store or other non major bank cards for a few reasons but one was the support. AIB's call centre and 24 banking is open 24/7 and contactable no matter what part of the world you are in.
The only time my card was ever rejected etc was in 1) pharmacy which seems to have problems a lot of the time with chip and pin and they tend to have to do it twice before it is authorised. 2) in a hairdressor when there was a bit of dirt or something on the card or reader which prevented it going in the first time.
Perhaps the 10 transactions is a new thing or something. But couldn't be sure on that as never made that many (I don't think) transactions in 1 day. Having said that one purchase I did make some yrs ago on the card was about 5k - furniture and had no problems and had it paid off quickly. The card was easier to use than cheques or cash.
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