Credit/Debit card with minimal balance - used for online booking/reservations

fillit on 29/08/2022 - 23:15

Seems that alot of establishments are enforcing a credit card to be provided prior to booking.

Previously I've just put in a cancelled card but they are now debiting $1 and refunding it to test the card.

Anyone have creative solutions here? I can only think of a prepaid mastercard and running down the balance.

I can open an account and use a visa debit card etc. however it may go into overdraft if bank honours the payment.

Am also open to some other form of card where I can just load a balance onto it and not be concerned about it overdrafting.

Financial

Comments

  • bobbified on 29/08/2022 - 23:28
    +5

    Seems that alot of establishments are enforcing a credit card to be provided prior to booking.

    There's a reason for this. A lot of people book tables and don't show up. The restaurant cops the loss if you book a table and don't show up or cancel last minute and they can't fill it.

    Instead of trying to work around it, why don't you plan better and have the courtesy to let the restaurant know if you're not going to need your booking so they can let other customers book it?

    Inconsiderate people like you are the reason restaurants have had to implement this kind of policy in the first place!

    • askbargain on 29/08/2022 - 23:35
      -5

      Inconsiderate people like you

      or you

    • fillit on 29/08/2022 - 23:39
      -5

      Sure, and here I am seeing what workaround there are.

  • askbargain on 29/08/2022 - 23:35
    +2

    Revolut single use cards, or monthly limit on virtual cards, or freezing cards anytime.

    • fillit on 29/08/2022 - 23:42

      Is this available on the free plan? Is it essentially a load and use type of arrangement with them?

      • askbargain on 29/08/2022 - 23:47

        Yes except maybe disposable. And yep.

  • randomusername2017 on 29/08/2022 - 23:37
    +2

    Zip/wise/revolut

  • AustriaBargain on 29/08/2022 - 23:44

    Am also open to some other form of card where I can just load a balance onto it and not be concerned about it overdrafting.

    Can't you just ask your bank for another account + VISA debit card? NAB don't even charge you any extra for it.

    • fillit on 29/08/2022 - 23:51

      I can, but I risk the account being overdrafted. So would like to avoid that issue coming up if possible.

      • AustriaBargain on 29/08/2022 - 23:52

        Do basic NAB accounts even have overdraft? I always get a big fat denied when I try to spend mo money than I got.

        • USER DC on 30/08/2022 - 00:01

          Do basic NAB accounts even have overdraft

          from my knowledge yes, they have enabled this overdraft/ over withdrawing feature. It may not work when you simply try to purchase an item (insufficient funds in your account) using your debit card.

          But when your actual NAB account tries to get DIRECT DEBITED. And yes if bank honors it they'd likely will charge you any overdraft fee.

          Good news is you can call NAB and ask them to disable this feature of over withdrawing account.

          i can confirm that ING orange everyday account will not go into overdraw (even with direct debits) at least by default.

          • fillit on 30/08/2022 - 00:03

            @USER DC: food for thought, I actually work for the very bank I bank with..

            needless to say transaction accounts are not my are of speciality however it seems hit or miss where the accounts are allowed to get overdrafted.

  • Hvrd on 30/08/2022 - 07:54

    I was able to turn my banksa overdraft off, got about 6 paramount emails failing to charge it.

    • fillit on 30/08/2022 - 12:07
      +1

      Yes I’m with BOM, turned off Overdraft and have a debit Mastercard on order. This should sort my issue. Thanks!

  • vikvance on 30/08/2022 - 13:07

    Couldn't you just use another bank which doesn't offer overdraft facilities ?

    e.g. ING's website says that they don't offer any overdrafts.

    • fillit on 30/08/2022 - 22:51

      Turned out my allows you disable overdraft via the app, so it sorts my issue

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