Terminal Account
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What to do when a transaction in a store Debit Card was refused while the account had a balance healthy?
I have an active debit card linked to my savings account with ICICI Bank in India which attracts an annual rate of Rs 99 (approx USD2). I bought groceries worth Rs 231 (approx U.S. $ 5) and thought it convenient to pay with my debit card. The bank allows such purchases of little value because it is a debit card. To my horror, Secretary of the store told me that my transaction was declined. Knowing that my account deferred R 12000 (USD 260 approx) and the balance no shares issued or checks, I asked try again, which he did twice. I saw the terminal sending request and receiving the reply and then the operation is rejected. Losing face, he had pay cash. Back home, after an hour, I checked my account online. My account was debited three times, but the debits are reversed only twice. I save data in PDF format and, after ten minutes, found that the account was credited with a reverse input once again, to offset the debit. What should I do about the problems that the bank posing as me?
Probably caused by a delay in approval. In other words, it is a foreign bank it probably had to go through various network nodes and by the time the bank has approved the request point of sale terminal (system) had exhausted the time of application. This explains also decreases, because you never interest in the POS system verified the transaction was completed.
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