🚀 go-pugleaf

elo
tak dla informacji, bo ja sie troche zdziwilem. Do tej pory wydawalo mi
sie, ze koszty tranzakcji w internecie sa przewidywalne, ale chyba nie
koniecznie.

Uzylem serwisu transfer24 do przelania pieniedzy do Polski. Uzylem karty
kredytowej (wiekszosc serwisow stosuje platnosc karta) do udostepnienia
srodkow. Po dwoch dniach sie okazalo, ze Barclycard doliczyl do rachunku
dodatkowow ?2.99 za ta operacje. To ja od razu z pytaniami. Barclaycard
odpowiedzial, ze od 28.05.2012 'tranzakcje jakby pieniezne' kosztuja 2.99%,
minimum ?2.99. Za takie tranzakcje jest uznawane miedzy innymi zakup obcej
waluty. Nie sa w stanie podpowiedziec, jak taka tranzakcje rozpoznac.
Transfer24 umywa rece i stwierdza bardzo krotko, ze to nie oni naliczyli i
nie moga odpowiadac co zrobi moj bank.

Ze swojej strony moge dodac, ze pewnie uzywajac karty debetowej nie bylo by
tej oplaty. Grosik, np, zastrzega sobie, ze nie honoruje karty kredytowej.
Chodz mozliwe, ze karta kredytowa udalo by sie dokonac zakupu i oplata
zostalaby rowniez pobrana - tego nie sprawdzalem. dodam jeszcze, ze placac
na stronie nie dokonca zdawalem sobie sprawe, ze kupuje polska walute. moja
wina.



tu informacja z barclycard: 

This is to inform you that Cash like transactions have historically been
treated as a purchase transaction. From 28th May 2012, given these
transactions having more in common with cash than purchases, these will now
be treated as cash and so the following transaction types will attract the
associated transaction fees:

? Gambling ? Sterling gambling transactions will be charged at the cash
interest rate, incur a cash transaction fee of 2.99% (minimum fee does not
apply) and receive zero grace days
? Non Sterling gambling transactions will be charged at the cash APR Annual
Percentage Rate, incur a non-Sterling transaction fee of 2.99% and receive
grace days. No cash transaction fee is applied
? Sterling foreign currency purchases, money orders and wire transfers will
be charged at the cash rate, incur a cash transaction fee of 2.99% (minimum
?2.99) and receive zero grace days
? Non-sterling money orders and wire transfers will be charged at the cash
rate, incur a non-Sterling transaction fee of 2.99% and receive grace days.
No cash transaction fee is applied


Transactions are given an identifying code and it this code which is used
to determine how the transaction is treated and what transaction fee is or
isn't charged. It is possible for retailers to have several transaction
codes depending on the types of products/services they offer but the code
used is determined by them and their bank.

As such we are unable to advise you in advance how a transaction will be
classified. All we can advise is if the transaction is submitted by the
retailer and it is classified as either a cash withdrawal, gaming, betting,
money order, wire transfer or foreign currency purchase then the
transaction will attract the cash transaction fee.


-- 
MJ
pisać na emjot na poczta kropa fm