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I recently applied for a Hilton Debit Card Plus which duly arrived. I used it this week for a booking at a Double Tree hotel in the UK. All worked as expected except it didn’t debit my bank account straightaway but rather a payment will be taken by Direct Debit next week.
Is this how it is supposed to work? I have a Curve debit card that debits my bank account within seconds of making the payment. Can this be done with the Hilton card?
I recently applied for a Hilton Debit Card Plus which duly arrived. I used it this week for a booking at a Double Tree hotel in the UK. All worked as expected except it didn’t debit my bank account straightaway but rather a payment will be taken by Direct Debit next week.
Is this how it is supposed to work? I have a Curve debit card that debits my bank account within seconds of making the payment. Can this be done with the Hilton card?
I think it’s because the Hilton card uses the direct debit system. I have not had it very long but it seems to work faster during the week than weekend. For me it’s not really a problem as my bank account tells me about upcoming direct debits, so there’s no opportunity to forget.
I too have Curve, at least Hilton hasn’t double charged me yet 8)In which case it’s not really a debit card – more like a very short term line of credit.
The card app also shows the balance on the linked current account. They won’t let you spend what you don’t already have (although there is a danger a customer could spend the current account balance before the DD hits).
It will clear within 72 hours, apparently.
In which case it’s not really a debit card – more like a very short term line of credit.
Which is quite helpful if you think about it! Especially if you have a few days before payday.
Well, for anyone interested, even though you got direct debits leaving on the day, the card can fail since it deducted the potential direct debits (even though it has already been deducted). For example, let’s say I got £150 in the bank account, and I spent £100, which gets debited in a few days. So that leaves £50 to spare, right? But no, the account will consider that it is still going to take £100 pending balance, so I now have “insufficient funds” since it is £50, which is a new amount after all direct debits are taken so therefore, no cash is available to pay.
So I would need to plan how much to leave in my current account all the time and/or decide whether to use the card for a particular payment then sweep from my savings account or leave a sizeable sum in my current account. What a chuff and all for the privilege of a paid for supposed debit card. It’s so niche it’s not true, if it lasts much more than a year I’ll eat my fedora whilst happily sticking with a credit card earning points that I can pay monthly
Well, for anyone interested, even though you got direct debits leaving on the day, the card can fail since it deducted the potential direct debits (even though it has already been deducted). For example, let’s say I got £150 in the bank account, and I spent £100, which gets debited in a few days. So that leaves £50 to spare, right? But no, the account will consider that it is still going to take £100 pending balance, so I now have “insufficient funds” since it is £50, which is a new amount after all direct debits are taken so therefore, no cash is available to pay.
Who do you bank with? It may depend on how your bank processes and presents the data to OpenBanking, perhaps even the time of day of the transaction.
So I would need to plan how much to leave in my current account all the time and/or decide whether to use the card for a particular payment then sweep from my savings account or leave a sizeable sum in my current account. What a chuff and all for the privilege of a paid for supposed debit card. It’s so niche it’s not true, if it lasts much more than a year I’ll eat my fedora whilst happily sticking with a credit card earning points that I can pay monthly
I’d probably link to my No2, No3, No4, No5 or No6 current account. I don’t connect my No1 account to OpenBanking
Well, for anyone interested, even though you got direct debits leaving on the day, the card can fail since it deducted the potential direct debits (even though it has already been deducted). For example, let’s say I got £150 in the bank account, and I spent £100, which gets debited in a few days. So that leaves £50 to spare, right? But no, the account will consider that it is still going to take £100 pending balance, so I now have “insufficient funds” since it is £50, which is a new amount after all direct debits are taken so therefore, no cash is available to pay.
Who do you bank with? It may depend on how your bank processes and presents the data to OpenBanking, perhaps even the time of day of the transaction.
I’d probably link to my No2, No3, No4, No5 or No6 current account. I don’t connect my No1 account to OpenBanking
Halifax. I think you are correct about the timings, though. It eventually shows the correct figures later in the day. Despite these, I will still be using it since not many hotel cards are left in the UK! And quite rightly, linking it to a secondary account is very sensible.
I have the original Currensea card. DDs are normally taken from my linked current account two working days after the transaction. If I use it today (Friday), the DD will be taken next Tuesday.
TBH, I only use the card to generate the required DDs on a secondary current account.
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