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You Will Have To Have A Hundred Pounds In Your Bank Account To Buy Petrol.

A new payment process is being rolled out at petrol stations across the UK, affecting everyone who pays at the pump with a Mastercard or Visa card

Supermarkets across the UK are set to introduce a new "hold charge" when people fill up their vehicles at petrol stations and pay at the pump. To ensure people have the funds they need to make their purchase, retailers will temporarily charge a customer's debit or credit card up to £100, then, after taking payment for fuel purchased, release any unspent funds.

The new payment scheme, which has been trialled at dozens of petrol stations over the last few months, is set to be rolled out to every petrol station in the UK as payment companies Mastercard and Visa have updated their policies. Visa said it had decided to bring in the change to help people "keep an eye on [their] finances]" and Mastercard appears to have followed suit.
meJess · F
That’s not new, the amount might be raised but it was in place when ‘pay at the pump’ was introduced to prevent fraud.
Lilnonames · F
@meJess true. They did this in usa for years it used to b 70$ hold but sometimes it would take up to 3 days
senghenydd · M
@Lilnonames I'm convinced to carry some cash around with me in the car, I'm not going to be stranded by the side of the road.
Lilnonames · F
@senghenydd same as me i dont pay at pump with a card
GeniUs · 56-60, M
It already asks for £99 (has been doing for about 6 months) this has been a problem for people whose vehicles are filled 'hand to mouth'.
senghenydd · M
@GeniUs Fuel is expensive nowadays this was bound to happen it's simply another twenty first century security procedure we'll have to go with or go without fuel.
GeniUs · 56-60, M
@senghenydd It doesn't work for the people who haven't got a reserve of cash, who aren't going to do a runner after obtaining the fuel but need that fuel to get to or do their job. I'm thinking people doing care in the community.
senghenydd · M
@GeniUs I agree it's going to be a problem for many, it's a good idea to carry some cash around with you.
nedkelly · 61-69, M
I am okay with this, as it will stop a lot people driving off without paying
senghenydd · M
@nedkelly Yes I'm coming around to this idea, I'll still keep a few pounds in cash in my car as well for that rare time my card won't work.
robb65 · 56-60, M
@nedkelly Not really, unless there's more to it than they are saying. The "hold", at least here means that when you use a card the pump automatically charges the card more than the maximum amount it assumes you will buy then refunds whatever is left once you are done.
So if you want $20 worth it still takes out $100 but is supposed to refund the $80 when you turn the pump off. Not a problem as long as you have more than $100, But if you are using a debit card (which is all I carry and don't use it at gas stations to begin with) and there's less than $100 in the account then you're screwed, no gas for you.

Most, but not all gas stations here require cash customers to pay in advance to prevent drive offs. I'm aware of one station that required cash in advance for the pumps farther from the store but the ones closest were not set that way so if one intended to drive off without paying and they picked their stations or at least their pumps carefully it's still possible.
senghenydd · M
@robb65 Drivers over here in the UK have filled up using false number plates and driven off they've been recorded on CCTV but haven't been caught because of the false plates no doubt paying in advance will stop that.

Now and again I've had problems with cards even though I've had sufficient funds in my account I have more than one card which has helped so the sensible thing is to carry some cash in your car.
Gillian30 · 70-79
I visited Vancouver about 8 years ago and this was common practice on all fuel purchases. Probably only in the city's but you had to put a $100 down payment first.
What goes around comes around. Once again dishonest people who steal make those that don't pay.
senghenydd · M
@meJess There are no doubt many cases where fuel has been purchased and the vehicle owners couldn't pay the news article is suggesting your bank account is checked first, we will have to wait and see if that's correct.
meJess · F
@senghenydd they can’t check your bank account they can only see if you have sufficient credit on your card
senghenydd · M
@meJess Well at least you have provided me with that information if I go anywhere and plan to re-fuel I'll take some cash with me as well as my bank card in case my card gets refused.
SunshineGirl · 36-40, F
Unfortunate, but a reasonable and proportionate response given the number of people who are stealing petrol (usually from smaller independent outlets with weaker security arrangements).

Another opportunity for me to be publicly humiliated over the tannoy when I can't work out how to use the pump 🥺
senghenydd · M
@SunshineGirl Security is getting more and more apart of our lives because there are so many fraudsters out there this is just one trick we'll have to get used to.
Yeah we've had that hear for a while already. You generally always have to prepay for gas and they'll usually put a hold on your card of $150 depending on how much gas you want. I mean you can generally go into the station and pay in cash too and just tell the person how much gas you want and they'll set that amount at the pump
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meJess · F
@jshm2 this is credit card policy, not fuel companies or the government.
Tuscan · 70-79, M
If I had less than £100 in the bank i don't think i would be using a motor vehicle.
GeniUs · 56-60, M
@Tuscan how do you expect the low waged who need a vehicle to do their jobs then? I specifically know of care workers but there must be others who fall into this category.
senghenydd · M
@Tuscan It could well be a young apprentice earning a low wage who simply owns a motorcycle it'll be interesting to see how this works I expect cash will be the champion here.
Some have done this for years
senghenydd · M
@CheekyBadger Well I have to be honest I've never noticed this.
@senghenydd Tesco would put a claim on £100 at first and then take it off and charge the actual amount when you had finished. Asda apparently only did 1p to check the card was valid…. They are changing to higher amount as people were exploiting this to avoid payment.
senghenydd · M
@CheekyBadger Yes I can understand some people are taken advantage, I know what to expect now it won't come as a shock.
chrisCA · M
Why not use a credit card offered by retailers themself?
novaguy2u · 70-79, M
Been here for a while in New Zealand.
senghenydd · M
@novaguy2u It not surprising nowadays with the cost of fuel, it's one of those things that had to happen.
cherokeepatti · 61-69, F
Sounds atrocious
senghenydd · M
@cherokeepatti It is strange it'll take us back to carrying cash around.
cherokeepatti · 61-69, F
@senghenydd That is all that I have ever used to pay for gas. Some people who get paid monthly will fill
Up first thing
Virgo79 · 61-69, M
Cards suck anyway.
senghenydd · M
@Virgo79 They've got limitations I've had my card refused on more than one occasion.

 
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