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Old 01-15-2018, 03:35 PM   #1
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Buying gasoline

As a new Good Sams elite member I stopped awhile back to buy gas at a Pilot. After thinking I went in to check something out . Found.out that IF you use a.debit car at the pump...the.xompany charges from $75 to $155 to your card. But if you go inside this dont happen...but then its pre-pay. And how do you know the amout to pre pay on a fill up? Dont know exactly how long this secutiry $ stays against your account . But imagine buying gas multiple times on your trip and having that much of your money tied up For how long? The $75 to $155 amount came right from the Mgr's mouth.
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Old 01-15-2018, 03:44 PM   #2
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Those pump fees have been part of the transaction at many stations/companies for years. Our local Sunoco used to charge $75 when you swipe the debit card and then refund the difference. They also used to limit you to $75 per transaction with a debit card. And back in the late 2000's when fuel prices were very high, that didn't buy very much diesel. From what I understand, they have now changed that charge to $100.

Simple solution for me is to simply use a major credit card in place of the debit card. I track all of my credit card purchases online, and I never see such a fee assessed when swiping the card. Depending on the station/company, there is sometimes a separate $1 fee that appears for a while and then disappears after a day or two. I don't know about you, but I'd rather tie up $1 of the credit card companies money for a while than $100+ of my own.
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Old 01-15-2018, 03:45 PM   #3
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Guess I'm slow but I do not understand any of this lol, perhaps because I have not experienced it, always use credit cards.
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Old 01-15-2018, 03:47 PM   #4
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I think that pre-pay authorization happens with most pay-at-the-pump systems. These systems are extremely common up here and in my experience the "hold" on the card only stays on for a couple of business days at most. So Even worst case scenario of buying fuel friday, satruday, sunday and monday, you'd have four fills held. If you fuels every few days, it's no big deal.
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Old 01-15-2018, 04:16 PM   #5
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A big part of the hold is the time it takes for the purchase amount itself to clear. The station wants to make sure it gets paid. Since a debit card is a direct draw against a bank account, there is no way for a business to know how much is available.

With a credit card, there is a known maximum amount available to the card system. Besides a credit card gives you more security against theft of funds than a debit card (which has none). There are federal regs on the maximum you are responsible for a stolen card.
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Old 01-15-2018, 04:17 PM   #6
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If you travel in northern New England you will be happy to learn that BS doesn't happen Larry
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Old 01-15-2018, 04:54 PM   #7
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Aggree with the credit card for A buck. But Debit is a no go. My truck gets 8mpg towing. It has a 36 gallon tank so I got hit with $155. Going to avoid that charge from now on.
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Old 01-15-2018, 04:55 PM   #8
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I use a credit card and get 4% rebate on gas.. I've had a debit card forever...and I have never used it once, see no reason to. I'm one of the brave souls that still carries cash for small purchases and uses a credit card (always paid in full each month) mainly to get the rebates.
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Old 01-15-2018, 06:01 PM   #9
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I finally bit the bullet and got a credit card this past fall. More secure than a debit card, less risk if it gets stolen and the ability to earn points or cash back. I am deeply concerned about credit cards, I got myself in trouble in college with one and they make me sick to my stomach. Every month I check with the bride/mgmt and make sure that the balance is paid off before any interest accrues. As a result, we aren't using our debit card for anything except getting cash out.

I'm familiar with the limits on debit cards at pumps. It sounds like that doesn't apply to credit cards though. Since we got a diesel and our fuel mileage increased by 50%, we don't stop as often for fuel... at max twice a day now.
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Old 01-15-2018, 06:12 PM   #10
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I only have 2 credit cards (no annual fees) and I never use my debit card (had too many friends have debit card #'s stolen and accounts emptied). I was told by my financial advisor to carry a balance on the credit card once every year or so. So every six months I don't pay off the total bill. I'll usually leave a balance of $20-$50 and then pay off the next month. I only do it because the financial advisor tells me it boosts my credit score...whether he's right or not...I have no idea. But for the most part "we don't buy it, if we can't afford to pay it off at the end of the month!"
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