In reply to a post by TLM:

The only things I don't use cc for are things that still won't take it - like bus fares. In fact, I would say bus fares are my single biggest expenditure that's NOT met by credit card.

All my bus fares are paid by credit card using a mobile phone app - it's cheaper than paying on the bus! I appreciate that's of no use to you if your bus company doesn't offer it.

I too don't have an income but paying by DD is safer. I try and pay my credit card off every month but sometimes due to bank holidays the payment is a day late and I then have to pay interest. If I get run over by a bus then interest will accrue but we can't keep thinking about what might happen and just get on with life.

If you have the cash to pay off you CC then set up a transfer from savings to current account to pay any DDs.

Being aggressive to others giving advice is not helpful.

You've posted about a situation that only YOU can sort out by asking questions to your ISP and/or card issuer.

Don't think they offer it. Pretty sure I could buy a season ticket by cc, but as my bus travel is ad hoc, rather than daily (e.g. to work), I wouldn't save money by getting a season ticket.

I make a regular trip just once a week, to college, but even that is only September to April.

Has your credit card company confirmed they refused payment, and if so - why? Or did they not get a request for payment?

I am only upset when others give unsolicited advice which is not about the matter at hand. If I wanted to debate and defend my chosen payment method, I'd have said so.

If people don't have any info about the actual problem, I don't want to trawl through a load of posts about unrelated matters.

I was just hoping somebody might respond: "Yes, PN have had a problem processing payments this morning", or: "The Mastercard network was down for a period", or whatever.

Have a read of "What happens if I miss a payment"

http://www.plus.net/help/my-account/paying-your-bill/

http://s30.postimg.org/fqe1mgr1d/PN_Bill_Payment.png


Can't help re. failed CC payment as I use DD.

Even if there was an issue with the processing of payments, and someone on here said so, it doesn't negate the fact that you can't browse successfully.

You need to go to the source and find out why. Then you can proceed accordingly.

They haven't confirmed anything yet - I'm not calling the call centre. I secure messaged them.

There are no odd looking entries in my "recent transactions", but I doubt it would show if one was requested but declined - though that would certainly be useful from a customer point of view, as you could not only see a failed payment, but also see if one was requested that was NOT recognised by you, that could be the source of the problem.

I can browse successfully. It was temporarily suspended to force me to acknowledge a "missed payment" - which they'd already emailed me twice about.

In reply to a post by TLM:

There are no odd looking entries in my "recent transactions", but I doubt it would show if one was requested but declined - though that would certainly be useful from a customer point of view, as you could not only see a failed payment, but also see if one was requested that was NOT recognised by you, that could be the source of the problem.

About the only thing you can usually see apart from actual payments made is 'pending payments' but that's normally only a single figure representing all pending (authorised) payments and isn't itemised. I've always thought that they really ought to document individual pending transactions along with any problematic transactions as well. All the relevant data is obviously available but no doubt intentionally kept hidden away. It's kinda easy to suspect that would be primarily down to retaining the ability to deny all knowledge if/when a problem like this arises and the customer complains about a payment not being authorised for no good reason

Sometimes when I've had a problem like this happen over the years I've been able to find out what probably happened by phoning the card company as they can usually see more detail about pending and failed transactions even if they don't want to give you too much info about them over the phone. However, on most occasions I find everyone denies all responsibility and it's impossible to even guess what actually went wrong, the retailer tries doing the same transaction again using the same details and all is well.

Edited by ambrougham (Thu 14-Apr-16 14:40:30)