Charged Interest for Paying Speeding Fine with Credit Card

[2fa]

Considered to be a cash advance by my cc company who's name rhymes with Halifax.

Utter tts.

Anyone else had this?

tts.

Again tts.

[Tighnamara]

2fa said:

Considered to be a cash advance by my cc company who's name rhymes with Halifax.

Utter tts.

Anyone else had this?

tts.

Again tts.

Is it not a a cash advance though, no service or product are purchased when paying a fine.

Possibly (no definitely ) looking at it differently from yourself.

Can see why it is processed as a cash advance, wouldn't expect any credit card to accept paying fines / council tax etc as anything other than a cash advance.

Lessons learnt, don't get caught speeding and if caught speeding don't pay the fine on a credit card.

[scot_aln]

I may have encountered this myself in the past Took it as a bit of a double slap for being caught.


But seems it's common across providers

Taking HF - https://www.halifax.co.uk/creditcards/help-guidanc...

"When using your credit card, a cash transaction fee may apply to:

Using your available credit to obtain cash (e.g. at an ATM or at an over-the-counter service).
Gambling transactions, using your card to make transactions at casinos, betting outlets and bookmakers, and buying online lottery tickets or gaming chips, share trading or spread betting.
Buying foreign currency.
Sending money orders or wire transfers (other than balance transfers or money transfers).
Buying coins, banknotes or digital currency.
Paying government or court fines, enforcement penalties, fees or costs.
Online trading such as share dealing or investments.
Purchasing or topping up electronic money, payment cards, mobile wallets or account dashboard services.
Cash transaction fees are usually a percentage of the transaction amount. Interest may also apply from the date of the withdrawal or transaction.

More on cash transactions"

[Dave Hedgehog]

scot_aln said:

I may have encountered this myself in the past Took it as a bit of a double slap for being caught.


But seems it's common across providers

Taking HF - https://www.halifax.co.uk/creditcards/help-guidanc...

"When using your credit card, a cash transaction fee may apply to:

Using your available credit to obtain cash (e.g. at an ATM or at an over-the-counter service).
Gambling transactions, using your card to make transactions at casinos, betting outlets and bookmakers, and buying online lottery tickets or gaming chips, share trading or spread betting.
Buying foreign currency.
Sending money orders or wire transfers (other than balance transfers or money transfers).
Buying coins, banknotes or digital currency.
Paying government or court fines, enforcement penalties, fees or costs.
Online trading such as share dealing or investments.
Purchasing or topping up electronic money, payment cards, mobile wallets or account dashboard services.
Cash transaction fees are usually a percentage of the transaction amount. Interest may also apply from the date of the withdrawal or transaction.

More on cash transactions"

i would be cancelling that PoS

[2fa]

Yes I've cancelled the card.

I bet this happens frequently as it doesn't seem to be widely known or publicised (unsurprisingly).

Obviously won't be happening again with my next ticket

[scot_aln]

Dave Hedgehog said:

scot_aln said:

I may have encountered this myself in the past Took it as a bit of a double slap for being caught.


But seems it's common across providers

Taking HF - https://www.halifax.co.uk/creditcards/help-guidanc...

"When using your credit card, a cash transaction fee may apply to:

Using your available credit to obtain cash (e.g. at an ATM or at an over-the-counter service).
Gambling transactions, using your card to make transactions at casinos, betting outlets and bookmakers, and buying online lottery tickets or gaming chips, share trading or spread betting.
Buying foreign currency.
Sending money orders or wire transfers (other than balance transfers or money transfers).
Buying coins, banknotes or digital currency.
Paying government or court fines, enforcement penalties, fees or costs.
Online trading such as share dealing or investments.
Purchasing or topping up electronic money, payment cards, mobile wallets or account dashboard services.
Cash transaction fees are usually a percentage of the transaction amount. Interest may also apply from the date of the withdrawal or transaction.

More on cash transactions"

i would be cancelling that PoS

Think it cost me an extra £5. I'll live.

[Tighnamara]

2fa said:

Yes I've cancelled the card.

I bet this happens frequently as it doesn't seem to be widely known or publicised (unsurprisingly).

Obviously won't be happening again with my next ticket

Why would you give yourself the hassle of canceling your card over something pretty trivial and likely all credit card company's implement...........

[Simpo Two]

Tighnamara said:

Is it not a a cash advance though, no service or product are purchased when paying a fine.

I just see it as paying a bill, a demand for money if you like.

[keo]

I got caught out as well….

[Colonel Cupcake]

Tighnamara said:

Is it not a a cash advance though, no service or product are purchased when paying a fine.

It's treated as a cash advance so that you cannot issue a chargeback later. Same for all the other scenarios someone listed.

[ferret50]

Just post them a cheque next time!

Oh, hang on......