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Debit/ Credit Card Arrrgh

Old 04-22-2011, 06:32 AM
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Default Debit/ Credit Card Arrrgh

Really aggrevated when I go to fill up my truck or boat and the friggin pump cuts off at $75 or $100. Why do the card company's do this and has anyone found a way around it?
Old 04-22-2011, 06:34 AM
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I feel your pain! With diesel at $4 or more now, it can take $120 bucks or more for me to fill up my truck if near empty. The only solution that I've found is to just stick your card back in and go through all the rigamorole and top of your tank. For sure it's a PIA.
Old 04-22-2011, 06:35 AM
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Hang up the nozzle. Swipe your card again ad fill up. Repeat as needed.
Old 04-22-2011, 06:41 AM
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Originally Posted by camnbo View Post
Hang up the nozzle. Swipe your card again ad fill up. Repeat as needed.
That works great until the CC company flags it as fraud...
Old 04-22-2011, 07:37 AM
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Originally Posted by Flot View Post
That works great until the CC company flags it as fraud...
Really?
Old 04-22-2011, 07:46 AM
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Originally Posted by camnbo View Post
Really?
Yeah, I try to alternate cards when I do that, only been triggered once for gas specifically but it's enough of a hassle that I consciously avoid it.

Pretty common practice to steal a (physical) CC, run to the nearest gas station, and start filling people's cars up with it. It's not like they are ever going to "recover" the stolen gas and unlike other stolen merchandise, gas has a pretty clear cash value.
Old 04-22-2011, 08:00 AM
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In the Stuart area some gas stations only allow one swipe per day! So, you have to go in for a second fill up on top of the $75 limit. PITA

On debit cards running multiple swipes could load up the holds on your account and cause you to reach your limit and get denied and/or create other problems that are unspeakable. The holds are often double the amount you purchased. No $hit.

Of course all this is bery, bery, bery good for America
Old 04-22-2011, 08:07 AM
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Pump Your Gas And Go Inside The Store And Use Your Credit Card........ (Note: I Live In A Small Town And They Trust People To Pay When Done Filling, I Understand You Big City Folks Cant Start A Pump Without Paying First !!!!! )
Old 04-22-2011, 08:27 AM
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Go to your ATM and get cash first. FIFY.
Old 04-22-2011, 08:55 AM
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Originally Posted by t3rockhall View Post
Go to your ATM and get cash first. FIFY.
Who do you give the cash to when the store isnt open yet? Kinda defeats the whole purpose.

I was really hoping someone would come on here and say they called one of the card company's and found a way around this.. Putting 6 or 700 bucks of gas in the boat has become a very time consuming project.
Old 04-22-2011, 09:03 AM
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Yeppers. I go inside and give them my card and tell them to let it roll until full. The limit only applies AT THE PUMP. It's a liability thing for the stations -- somebody uses a ripped card and they're only out $75. No preset cutoff if you hand them your card in the convenience store. I've found that to be true most everywhere.
Old 04-22-2011, 12:41 PM
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Originally Posted by Dulcecita Lures View Post
Yeppers. I go inside and give them my card and tell them to let it roll until full. The limit only applies AT THE PUMP. It's a liability thing for the stations -- somebody uses a ripped card and they're only out $75. No preset cutoff if you hand them your card in the convenience store. I've found that to be true most everywhere.
I will hand my card to waiters and waitresses all day long, but there are not many gas station employees I would feel comfortable with HOLDING ONTO MY CARD for the 15 minutes it takes to fill up the boat.
Old 04-22-2011, 02:27 PM
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Originally Posted by Flot View Post
I will hand my card to waiters and waitresses all day long, but there are not many gas station employees I would feel comfortable with HOLDING ONTO MY CARD for the 15 minutes it takes to fill up the boat.
Wow, an itsy-bitsy bit paranoid? I've never had a problem. Plus, even if they did steal the numbers or whatever, my cards are all fraud protected. Maybe it's a Florida thing, but no problems here in AZ. I guess people here WANT that minimum wage job and don't screw it up! Heck, I charge my boat gas in Mexico, too, and no problems.
Old 04-22-2011, 02:29 PM
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Originally Posted by twobyfour View Post
Who do you give the cash to when the store isnt open yet? Kinda defeats the whole purpose.

I was really hoping someone would come on here and say they called one of the card company's and found a way around this.. Putting 6 or 700 bucks of gas in the boat has become a very time consuming project.
x2.

Is it the credit car companies or the merchants? One place I go to occasionally will now go to $100 before auto-cutoff.

Randy
Old 04-22-2011, 02:42 PM
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It's because the card is swiped before the transaction is completed. Where ever it stops, was the amount being held when the card is read. If it stops at $75 when you stick the card in they immediately put a hold on $75 bucks, if you only get 10 they hold that 75 usually for a day then 65 gets credited back. Similar to a restaurant, when you hand them the card and they process it they have no clue what you are gonna do with the tip so they put a hold a certain dollar amount over the actual bill.

Give them the card after the transaction is complete and they know what the exact amount is and there is no hold.

I'd bet if you use the gas stations card Exxon, Shell, BP etc.... there is no hold amount or cutting off (but I might be wrong)
Old 04-22-2011, 05:24 PM
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Originally Posted by twobyfour View Post
Really aggrevated when I go to fill up my truck or boat and the friggin pump cuts off at $75 or $100. Why do the card company's do this and has anyone found a way around it?
Pump the gas and then pay for it.... You may have to let the clerk hold your card before they will turn the pumps on. Then just walk in and have them run the charge.

David
Old 04-22-2011, 05:30 PM
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Originally Posted by camnbo View Post
Hang up the nozzle. Swipe your card again ad fill up. Repeat as needed.
I've dealt with this for year because my last boat was trailered and held 200 gallons of 93 octane. In VA anyway, you can only swipe it twice then it stops working. I had to go inside the store and tell them to set it at $600 bucks (or whatever guessimate) and then fill the tank.
Old 04-23-2011, 01:41 PM
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Originally Posted by twobyfour View Post
Who do you give the cash to when the store isnt open yet? Kinda defeats the whole purpose.

I was really hoping someone would come on here and say they called one of the card company's and found a way around this.. Putting 6 or 700 bucks of gas in the boat has become a very time consuming project.
I contacted my CC company and they removed the limit. It did not help much as many of the merchants have their own limits. I can swipe my card multiple times now without an issue. Before it would shut the card.
Old 04-23-2011, 01:47 PM
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Mine shuts down if I use it more than once at a gas station. Found that out hauling containers of gas back and forth from the station.
Old 04-24-2011, 08:45 PM
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It all depends on the station you goto for the cut off. The best way around it is goto a locally owned mom/pop gas station and let them know that you're a regular. They will just automatically cut the pump on for you and you can come inside and pay after. Gas stations are like top 3 places for CC fraud, so merchants apply that 75-100$ limit outside so they don't lose out on too much when the CC holder calls the CC company and tells them the card as been lost. If you are a merchant that accepts CC's you know how much of a painful process this is, and how much you lose out on when it happens.

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