Talk:Solo (debit card)
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[edit] General
What does "it can only be used electronically" mean? - Joolz 23:55, 31 Jan 2005 (UTC)
- From their website, purchases in person are allowed but have to be run through the authorisation system. In all cases, transactions are greenlighted only when enough money is known to the system to exist in the customer's account to fund the purchase. E.g., there is no float period, and transactions are not permitted if there should be a system failure. knoodelhed 09:56, 15 Jun 2005 (UTC)
Ok after cooling down I realised what was bugging me: the statement that an unauthorised transaction could not take place. Even qualifying it with "usually" was not unacceptable, as it gives the misplaced perception that an unauthorised overdraft cannot take place without a lot of effort.
In fact it is very easy to go into overdraft, particularly with the UK Banking Industry's obsession to delay application of transfers. It's like writing a cheque. A cheque will bounce if funds are not available in an account, but it's very easy to withdraw the cash out of your account before the holder of a cheque submits it for fulfilment.
I think, in the interests of informed public consumption, what has been written is accurate - that Solo funds are earmarked. But it needs to be stressed that an overdraft is still possible due to time mismanagement of an account.
- Trivial example: Account balance £20. Cash machine reports £20 balance, £20 available. Spend £10 in shop on card. Cash machine again, reports £20 balance, £10 available. Further queries for authorisation will report only £10 available. The authorisation happens first, then the funds are transferred later. That's why the railway network does not accept solo - when you're stuck on a train, you've got no means of conducting the authorisation, and thus cannot actually guarantee the funds (I have successfully used an overlimit credit card to buy a ticket while in transit). In many cases, if you do get over your limit, it is usually restricted to the buffer zone that the bank provides as a matter of course. My experience with HSBC has been that they will happily allow you to go overlimit with Switch (if you're not back in your limit by close-of-play, transactions that evening and the following day are refused), but will authorise low-value Solo transactions that keep you within the buffer, and refuse anything higher. In any case, you still need to cite sources for information about it being supposedly "easy" to run up an overdraft. Chris cheese whine 14:31, 30 November 2006 (UTC)
[edit] Train companies
"However, a number of train companies have announced plans to bring Solo into wider acceptance" - can we have some hard evidence that this is anything more than wishful thinking, please? There's been no mention on the uk.railway Usenet group, for example. As far as I know the only companies accepting Solo (or indeed Visa Electron) for ticket sales in the UK are Megatrain and Eurostar. 86.132.142.126 04:09, 14 March 2007 (UTC)
- I'm not aware of a single company that accepts it for walk-up or on-train purchase. I think I might take that out, since there's nothing to support it. Chris cheese whine 04:43, 14 March 2007 (UTC)
First Great Western now accept it at their ticket windows only. Mattdickinson (talk) 18:41, 13 December 2007 (UTC)
[edit] Fair use rationale for Image:Pyat rublei 1997.jpg
Image:Pyat rublei 1997.jpg is being used on this article. I notice the image page specifies that the image is being used under fair use but there is no explanation or rationale as to why its use in this Wikipedia article constitutes fair use. In addition to the boilerplate fair use template, you must also write out on the image description page a specific explanation or rationale for why using this image in each article is consistent with fair use.
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BetacommandBot 11:34, 6 July 2007 (UTC)
[edit] Fair use rationale for Image:Solo (debit card).gif
Image:Solo (debit card).gif is being used on this article. I notice the image page specifies that the image is being used under fair use but there is no explanation or rationale as to why its use in this Wikipedia article constitutes fair use. In addition to the boilerplate fair use template, you must also write out on the image description page a specific explanation or rationale for why using this image in each article is consistent with fair use.
Please go to the image description page and edit it to include a fair use rationale. Using one of the templates at Wikipedia:Fair use rationale guideline is an easy way to insure that your image is in compliance with Wikipedia policy, but remember that you must complete the template. Do not simply insert a blank template on an image page.
If there is other fair use media, consider checking that you have specified the fair use rationale on the other images used on this page. Note that any fair use images lacking such an explanation can be deleted one week after being tagged, as described on criteria for speedy deletion. If you have any questions please ask them at the Media copyright questions page. Thank you.
BetacommandBot (talk) 10:03, 21 January 2008 (UTC)
