After seeing the hoo-ha over the CPW card threat to make me liable for fraudulent transactions, I thought I would be sensible and lock my card - it stays in my wallet, so why not keep it safe?
I stupidly forgot that I use it to pay for my Google storage, so got a decline notification on a cnp transaction last Friday. I unlocked my card, and Google automatically debited the amount properly later that day - well done Google.
However, Starling - despite sending me a notification that the transaction had declined, and the transaction having a ‘declined’ status, continued to show it in my transaction list, and the amount was included in my spending pulse for the day.
I’m very fortunate in that a declined transaction is a rare event, but for other people having declined transactions shown up as if it had left their account, and having an incorrect pulse for the day could be major. I’d certainly be upset if a retailer told me my transaction had declined and the app said I’d spent the money!