Debit/Credit card payments

paulusescariot

Extraordinary week with giffgaff. My debit card expires at the end of this month and I have not yet received a replacement. My Goodybag was due to run out on 7 November so on the 5 November I went to queue my next Goodybag. When I tried to pay with my debit card (remember it is valid until 31st November), the system said my card had expired. giffgaff simply told me that if a card runs out at the end of the month (and they all do) it is considered expired by giffgaff during that month. Unfortunately and despite repeated requests they were unable or unwilling to discuss any reasons why.

As a practice it goes against all standard retail and banking practice. A card is made valid or invalid by the institution issuing it. Why on this earth do giffgaff consider themselves more qualified than the banking community and why would they refuse payment from a perfectly valid card?

Any feedback welcome and a note to the giffgaff CFO: 'please get in line with the retail industries'.

natty88

paulusescariot unfortunately if card is within one month of expiry date it won't be accepted for recurring goodybag sorry you can always use a top up voucher even a Tesco or 02 one works above ten pounds then if need goodybag call 43430 option two listen to prompts to exchange credit/voucher for goodybag

giffgaff20147

paulusescariot hello it’s not unusual for company’s not to take payment when card expires that month

I have had it with Argos and ebay
banks normally send out cards Before the expiry month starts ,
why do they do it sorry not a clue apart from something to do with processing card payments

alfiegee2013

paulusescariot Hi there they won't let you top up on a card what's still valid that's random , it's not like your tryna reacur your g/bag , just wait until it expires don't know might work then , not fair though because as we all know the cheapest top up for giffgaff is £10 which is so outdated get with it giffgaff 😎

paulusescariot

natty88 I have got this response repeatedly, but it's a politician's response, i.e. it completely ignores the question and consequently doesn't provide any answer

I will try once more:

"Why on this earth do giffgaff consider themselves more qualified than the banking community and why do giffgaff refuse payment from a perfectly valid card?"

Suggesting other payment options simply does not address the issue.

natty88

paulusescariot unfortunately in the 6yrs I've been a member if card is within one calendar month of it's expiry date the recurring option is disabled and won't work for payments on giffgaff i really can't say more than already have sorry

paulusescariot

natty88 Hi, it's not a recurring payment. I do not recur payments. It's a one off payment which I repeat. But still the same response. A perfectly valid card is rejected by giffgaff.

Is there anyone out there who can actually address this issue and advise why giffgaff have adopted such a ridiculous policy? If they have good reason then fine, but I have never come across any organisation anywhere nationally or internationally who refuse a payment because a card is within 30 days of expiry.

natty88

paulusescariot if your not happy you can ask here

please inquire with agents here

https://support2.giffgaff.com/app/ask/Top-up-balances-and-goodybags/Credit-debit-card-or-PayPal-overcharging/form/

allow up to a maximum of 24hrs for replies although usual time frame is 3to5 hrs

replies will show here when logged into your account

https://giffgaff.com/support/questions

Agents start work at 8am until 11pm daily

The agents may offer help that's really all we members like yourself can offer we don't work for giffgaff we only give advice as to what's likely to be the cause your having

unftlaty

paulusescariot

Had this exact problem with a supermarket recently try asking your bank to issue your new card earlier as you are having problems

paulusescariot

giffgaff20147 Appreciate the feedback, never heard of anyone else doing it I confess. It's a mystery to me though. They all want your money, banks included and then they don't want to take it - obtuse would be an understatement.

soodaisha

Got this problem right now except I’ve received my new card and payment keeps failing. Any suggestions?

unftlaty

soodaisha

Do you have you old card details saved in your account ?