Authorization Fee?

Friday, September 10, 2010 by scharchuk | Discussion: WinCustomize Talk

Every time I get a Master Skin from here there also allows on my Pre-paid debt card (Mastercard) account an authorization fee of between $2.60 to $2.70 for each time. This can add up. WinCustomize says that the money isn't really taken out of my account, but the account total still list less the amounts. It usually takes several weeks before the money reappears in my account as a positive and I can use it again. In some cases I look to see if the author offers the skin at their site and I make the purchase from there instead to avoid the extra expense since I don't get that much altogether being on a disability pension.(I don't smoke or drink, and my medications are covered by my pension so I have some small mad money each month.)

Now I'm a subscriber to Wincustomize and suppose to get a 20% discount on Masterskins and would like to use it. I was wondering if everyone else got charged this fee and how long before you get your money back, or is this just charged to foreign members?

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Philly0381
Reply #1 Friday, September 10, 2010 9:33 PM

I'm using a Debit Card from my bank against my checking account and don't see any charges like that. 

It may have something to do with a Pre-paid Debit Card.  You may need to read up on how it is used/charged in order to determine that.  It may not make a difference where you buy the Master Skin from.  I don't know since I have never used a Pre-paid Debit Card.

narbytrout
Reply #2 Friday, September 10, 2010 9:57 PM

I'm using a Debit Card from my bank against my checking account and don't see any charges like that.

It may have something to do with a Pre-paid Debit Card. You may need to read up on how it is used/charged in order to determine that. It may not make a difference where you buy the Master Skin from. I don't know since I have never used a Pre-paid Debit Card.

100% Ditto.

tazgecko
Reply #3 Friday, September 10, 2010 10:23 PM

Philly0381
Reply #4 Friday, September 10, 2010 10:27 PM

tazgecko from what  wrote it's a Pre-paid Debit Card and not  a Bank Debit Card.

tazgecko
Reply #5 Friday, September 10, 2010 10:34 PM

Philly0381
tazgecko from what scharchuk wrote it's a Pre-paid Debit Card and not  a Bank Debit Card.

  and here I was thinking a debit card is just a debit card (I have two of them).

Maybe we call them something else down here, thanks Philly. 

Its still a lot of money.

 

Wizard1956
Reply #6 Friday, September 10, 2010 10:55 PM

I have a Green Dot Mastercard. It costs $4.95 to add any money to it and they charge another $4.95 per month service charge if there is money left on it at the end of the billing cycle. I used it once to purchase WB, then ODNT and never again. I kept it in case I need to make a major online purchase, but it would have to be a necessity with no other way to acquire it. 

In other words, buying a Master skin would cost me $4.95 + $4.95 plus another $4.95 at the end of the month. OUCH!!!

Philly0381
Reply #7 Friday, September 10, 2010 11:08 PM

tazgecko



Quoting Philly0381,
reply 4
tazgecko from what scharchuk wrote it's a Pre-paid Debit Card and not  a Bank Debit Card.


  and here I was thinking a debit card is just a debit card (I have two of them).

Maybe we call them something else down here, thanks Philly. 

Its still a lot of money.

 

They do that just to give us headaches. 

A Bank Debit Card is issued by a Bank to it's customers on request. You can use it like a Credit Card but it is tied directly to your account which makes it pretty much like writing a check.  A Pre-paid Debit Card is one you purchase from places like Walmart and you put a given amount on it.  You use it like a Bank Debit Card or Credit Card but it looks like the charges against them are handled differently from what Wizard posted.

Cavan1
Reply #8 Friday, September 10, 2010 11:12 PM

I'm using a Debit Card from my bank against my checking account and don't see any charges like that.

It may have something to do with a Pre-paid Debit Card. You may need to read up on how it is used/charged in order to determine that. It may not make a difference where you buy the Master Skin from. I don't know since I have never used a Pre-paid Debit Card.

100% Ditto.

Ditto; I use Mastercard credit card and never have any extra charges.

 

Wizard1956
Reply #9 Friday, September 10, 2010 11:19 PM

I forgot to add that it also cost $4.95 to buy the card in the first place. I don't recall if there was a per-use fee as well but I wouldn't doubt it. At the time I was in South Carolina and still had money in savings.

 After using the trial less than a day,I had to have WindowBlinds so cost meant nothing.(worse than crack,lol)

tazgecko
Reply #10 Friday, September 10, 2010 11:55 PM

Philly0381
A Pre-paid Debit Card is one you purchase from places like Walmart and you put a given amount on it.  You use it like a Bank Debit Card or Credit Card but it looks like the charges against them are handled differently from what Wizard posted.

Ah there you go. We don't have them. The cost must be for the use of the card.

Like Cavan my Mastercard credit card and Visa debit card has no extra charge for a skin.

Master skins, for me, are cheap. Love supporting good talent

scharchuk
Reply #11 Saturday, September 11, 2010 9:20 AM

Philly0381
I'm using a Debit Card from my bank against my checking account and don't see any charges like that. 

It may have something to do with a Pre-paid Debit Card.  You may need to read up on how it is used/charged in order to determine that.  It may not make a difference where you buy the Master Skin from.  I don't know since I have never used a Pre-paid Debit Card.

 

I don't get this charge at any other place I purchase a Master skin, and I mention this.

scharchuk
Reply #12 Saturday, September 11, 2010 9:22 AM

Philly0381
tazgecko from what scharchuk wrote it's a Pre-paid Debit Card and not  a Bank Debit Card.

 

Yes. Its everything like a credit card except you have to have the proper amount on the card beforehand.

scharchuk
Reply #13 Saturday, September 11, 2010 9:28 AM

Wizard1956
I have a Green Dot Mastercard. It costs $4.95 to add any money to it and they charge another $4.95 per month service charge if there is money left on it at the end of the billing cycle. I used it once to purchase WB, then ODNT and never again. I kept it in case I need to make a major online purchase, but it would have to be a necessity with no other way to acquire it. 

In other words, buying a Master skin would cost me $4.95 + $4.95 plus another $4.95 at the end of the month. OUCH!!!

 

Mine's not nearly as bad as that. It cost $2.50 to "load" each month and a monthly fee of $6.95. plus, $0.50 per retail purchase (Like a cred card). I got the card through a rent to own store called Easy Home and the card is called Epic from MasterCard.

 

BTW, the amount of the Authorization fee just switched to the positive this morning. Time for one of the newer Master skins.

 

After using the trial less than a day,I had to have WindowBlinds so cost meant nothing.(worse than crack,lol)

 

Yes, much worse than crack.

Island Dog
Reply #14 Saturday, September 11, 2010 9:32 AM

Just to be clear, WinCustomize does not charge any type of authorization fee when making a purchase.  This is something initiated by the bank or pre-paid service.

 

scharchuk
Reply #15 Saturday, September 11, 2010 9:37 AM

Island Dog
Just to be clear, WinCustomize does not charge any type of authorization fee when making a purchase.  This is something initiated by the bank or pre-paid service.

 

Maybe, but its only here that I get it when I purchase Master Skins. It could be the service that Wincustomize uses for its purchase transfers?

 

DrJBHL
Reply #16 Saturday, September 11, 2010 11:13 AM

My VISA doesn't do that, scharchuk.... I think you need to look at the terms of the debit card you use. IF your eyes can read print that small.

Wiz...get rid of that Green Dot thing you have... sounds like a MAJOR rip off, old friend. 

DaveRI
Reply #17 Saturday, September 11, 2010 1:20 PM

My VISA doesn't do that, scharchuk.... I think you need to look at the terms of the debit card you use. IF your eyes can read print that small.

Or [shudder] you might need to call them and ask them specifically what one of those charges is.

scharchuk
Reply #18 Saturday, September 11, 2010 2:07 PM

DrJBHL
My VISA doesn't do that, scharchuk.... I think you need to look at the terms of the debit card you use. IF your eyes can read print that small.

Wiz...get rid of that Green Dot thing you have... sounds like a MAJOR rip off, old friend. 

 

As I had said, it only charges this fee of $2,60 to $2.70 HERE.

Philly0381
Reply #19 Saturday, September 11, 2010 4:26 PM

scharchuk



Quoting DrJBHL,
reply 16
My VISA doesn't do that, scharchuk.... I think you need to look at the terms of the debit card you use. IF your eyes can read print that small.

Wiz...get rid of that Green Dot thing you have... sounds like a MAJOR rip off, old friend. 


 

As I had said, it only charges this fee of $2,60 to $2.70 HERE.

Island Dog
Just to be clear, WinCustomize does not charge any type of authorization fee when making a purchase.  This is something initiated by the bank or pre-paid service.

 

Based upon Island Dog's reply it seems you need to open up a discussion with the Issuer of the the Debit Card if you haven't yet. 

Nimbin
Reply #20 Saturday, September 11, 2010 6:41 PM

i use a Visa debit card. This card works just like a credit card except it is linked to my savings account. My bank and most other australian banks offer this and there is no service charges or extra charges for using it. My only bank charges are the standard monthly account keeping fee which adds up to the grand total of $5 a month. I would be charged this regardless if i just had a debit card or Visa debit card. Pre Paid visa.mastercards and the like are a scam introduced by banks to enable them to charge outrageous fess and other "hidden" charges. Might be worthwhile speaking to your bank to see if they off a visa debit service.

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