topic Re: Credit Card Rejection in Buying

Credit Card Rejection

geom_au_ixtqnnub — Tue, 13 Jun 2023 05:12:08 GMT

I have been trying to purchase a silver cutlery set through eBay but it keeps rejecting the credit card payment

Re: Credit Card Rejection

padi*0409 — Tue, 13 Jun 2023 05:23:54 GMT

Have you added that payment option to your eBay account ?

If not go into your account - click on "G'day *****" at the top of the LHS of the page in buying.

Then click on "account settings" > payments > add payment option.

Re: Credit Card Rejection

sugar249 — Tue, 13 Jun 2023 05:40:43 GMT

have you got funds on your credit card

Re: Credit Card Rejection

imastawka — Tue, 13 Jun 2023 06:04:33 GMT

If they had funds it would be a debit card

A credit card has.....credit

Re: Credit Card Rejection

sugar249 — Tue, 13 Jun 2023 06:14:26 GMT

@imastawka wrote:
If they had funds it would be a debit card

A credit card has.....credit

Actually thats wrong, all credit cards have a limit. ie. I have one with $1000 and another with $20,000, if you go over the limit you do not have funds

Re: Credit Card Rejection

domino-710 — Tue, 13 Jun 2023 06:32:39 GMT

Actually that's wrong - one is able to go online - or - phone to have the limit adjusted immeditately if a larger payment is needed - then switch it back again - if necessary.

And wrong yet again - there is absolutely no limit on this :

Having said this - the OP would be aware of their limit - and would be aware a purchase over that limit would not go through.

Re: Credit Card Rejection

sugar249 — Tue, 13 Jun 2023 06:40:08 GMT

Yes I guess you can get pedantic, but if OP hasnt checked their limit they wont have funds. And just for your lack of knowledge you cant increase the limit online or otherwise on all credit cards. And not everyone has a platinum card.

Re: Credit Card Rejection

imastawka — Tue, 13 Jun 2023 06:42:11 GMT

I only have a debit card.

I don't spend money I don't have.

Re: Credit Card Rejection

cam-2793 — Tue, 13 Jun 2023 06:49:06 GMT

Same here- I've had bank offer me a credit card and I'm like " NUP!"

Re: Credit Card Rejection

domino-710 — Tue, 13 Jun 2023 07:41:59 GMT

How often do you check your limit - or actually know your limit. LOLOL

I've recently on my Mastercard - increased the limit online - immediately - paid - then gone back to the original limit - online.

I think it may be a problem with the card not linked.

Just thought I'd throw in the Platinum - because the statement - all credit cards have limits - is - well - not true.

Re: Credit Card Rejection

domino-710 — Tue, 13 Jun 2023 07:50:22 GMT

@sugar249 wrote:
@imastawka wrote:
If they had funds it would be a debit card

A credit card has.....credit
Actually thats wrong, all credit cards have a limit. ie. I have one with $1000 and another with $20,000, if you go over the limit you do not have funds

And actually having a credit card with $20,000 limit - if nicked - hello.

Re: Credit Card Rejection

sugar249 — Tue, 13 Jun 2023 08:07:34 GMT

@domino-710 wrote:
@sugar249 wrote:
@imastawka wrote:
If they had funds it would be a debit card

A credit card has.....credit
Actually thats wrong, all credit cards have a limit. ie. I have one with $1000 and another with $20,000, if you go over the limit you do not have funds
And actually having a credit card with $20,000 limit - if nicked - hello.

Well having a platinum is even worse. LOL.

Re: Credit Card Rejection

domino-710 — Tue, 13 Jun 2023 08:50:26 GMT

Not unless it is kept in a safe - till needed - if needed.

The handbag don't cut it.

Re: Credit Card Rejection

imastawka — Tue, 13 Jun 2023 10:08:12 GMT

$1500 p.a in fees to keep it in a safe - just in case?

Re: Credit Card Rejection

domino-710 — Tue, 13 Jun 2023 23:21:42 GMT

Well - yes.

When used over a 12 month period - by the family - there are enough generous benefits to offset the initial outlay.

Travel - Dining - Subscriptions etc.

Besides - nothing like having a ' Consierge '. lol

Bit like the $59 Woolies Rewards per year - one shop a month 10% off.

But notice that is going up to $70.

Re: Credit Card Rejection

imastawka — Tue, 13 Jun 2023 23:50:31 GMT

Yeah, thanks Woolies - they've now made it instore shopping only for that 10% off!

Re: Credit Card Rejection

domino-710 — Wed, 14 Jun 2023 00:12:01 GMT

Not sure why they have chosen to do this - very difficult for those who have remained loyal and are only able to shop online.

I did get a message the initial sign up will be extended for a further 3 months - then it will be $70.

Re: Credit Card Rejection

*sons_n_daughters* — Wed, 14 Jun 2023 01:27:43 GMT

@imastawka wrote:
Yeah, thanks Woolies - they've now made it instore shopping only for that 10% off!

I don't subscribe to Woolies Plus, so don't pay a subscription. I do get 10% off every month whether instore or online, because my phone is with Woolies Mobile. It runs on the Telstra network, but way cheaper than what I was paying with Telstra. WAY CHEAPER! Since signing up several years ago, NEVER had an issue with it. Not once. It's pre paid, so if you set up it up to do so, it automatically recharges before midnight on the day it needs to be recharged. I pay $20 a month for way more phone calls and data than I need (unused carries over to next month). Why pay $70 when I can pay $20 and get the same thing?

As for credit cards, why would someone need multiple? Like, one for $1,000 and another for $20,000? Isn't that just twice as many fees? I got a Mastercard in the late 80s. It had a limit of $500. Today, it still has a limit of $500. When we got our mortgage, they added a credit card to it. We cancelled it immediately. Why did we need another one? My husband's card has a limit of $1,000 and has been that way for over 20 years.

Re: Credit Card Rejection

springyzone — Wed, 14 Jun 2023 19:53:43 GMT

What I'd do is sign up to paypal and pay through that.

On some other online purchases (not ebay) I have found sometimes paypal works when the credit card number is playing up & vice versa.

I recently had trouble with my credit card (and yes, plenty of credit as I used it afterwards at the local shops) on the school Bookclub site. It kept coming up with a message it could not honour the transaction.

Paypal worked like a dream. Same credit card registered with paypal. Go figure.

Re: Credit Card Rejection

sugar249 — Wed, 14 Jun 2023 21:30:59 GMT

@*sons_n_daughters* wrote:
@imastawka wrote:
Yeah, thanks Woolies - they've now made it instore shopping only for that 10% off!

As for credit cards, why would someone need multiple? Like, one for $1,000 and another for $20,000? Isn't that just twice as many fees?

One personal, one business. Zero fee's on either so no issue.

Also never paid a cent of interest on either as always paid off before the due date.