I’ve recently used a tesco credit card at a tesco pay at pump petrol station and received. Notification that I had spent £120 when in reality I hadn’t and I’ve got a receipt to prove it. I’ve also noticed that the maximum spend looked at a pay at pump is £120. Can someone fix this as not only is it annoying, it is very confusing even worrying!
Retailers often put a reserve of an amount that exceeds the actual transaction amount on a card. It's to check that there is sufficient credit limit on the card and so guarantees payment. It never actually gets charged as it's just a reserve amount. It may well be that.
It shows a pending transaction for the correct amount as it always did!! It’s not pending transactions that’s the issue, my concern is that the notification appears to default to the maximum of £120 at the pump, and is not only confusing but worrying if you know you didn’t spend £120!
Thanks Gary, but firstly my Tesco counts are Mastercard, secondly their website says the same but the pre auth amount of £120 is corrected as soon as you stop fuelling or soon after. That still doesn’t explain why Tesco bank are still sending a notification out for the wrong amount!
@Nedzam Pay at pump transactions are offline, so the retailer essentially puts through a pending transaction for £120 now each time. Even if the transaction is less the system picks up this transaction and sends a notification. The £120 hold will drop off though.
Thanks Ross, I completely understand about the pending transaction and about the pump transaction being offline, but are you saying that every pre auth transaction will now result in a notification if so then the fault lies with the tesco bank software, either the notification should state that a pre auth of £x has been made or it should only notify actual transactions!! I still think this is confusing and potentially worrying for customers.
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20-10-22 11:15Retailers often put a reserve of an amount that exceeds the actual transaction amount on a card. It's to check that there is sufficient credit limit on the card and so guarantees payment. It never actually gets charged as it's just a reserve amount. It may well be that.
Fresh Eyes
20-10-22 14:52@GaryB008 thanks Gary but I’m fairly certain that it’s not done this before when the maximum was £99 per transaction at the pump!!
21-10-22 10:38Hey @Nedzam, is it still showing as a pending transaction for this amount today?
RossM