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Old 02.09.2021, 02:38
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Prepaid credit card expenses not adding up with available amount

Hi all,
I'd like to know if anyone else has been confronted with this sort of confusion, especially those who use a credit card with reloadable funds.
Either I'm the one who doesn't know how to do math or I should contact customer support asap.

On the 26th and the 27th of august I credited my card account with the sum of CHF 50 and CHF 400 respectively.
My expenses between the 26th and 31st amounted to CHF 329.58 and therefore according to my calculation (450-329.58) there should be CHF 120.42 remaining on the prepaid account. However, the stated "available credit" only displays CHF 71.90 and I find that inexplicable???
That's a CHF 48.52 unaccountable credit loss/difference. WTF...

So what exactly am I missing?


P.S. The 2 transactions at the very top are "temporary holds".
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Old 02.09.2021, 09:10
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Re: Prepaid credit card expenses not adding up with available amount

Do the temporary holds equal the missing amount? Even though they are temporary holds, it still takes the value away from your available balance and once those are released, the funds will be come available again.

More often than not, you swipe somewhere for example at COOP and the charge only hits the statement a few days later, but is still taken off of your available balance - so think hard about where you may have spent something, or wait a few days before querying it with your bank.
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Old 02.09.2021, 20:28
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Re: Prepaid credit card expenses not adding up with available amount

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Do the temporary holds equal the missing amount?
The holds were 50CHF. Missing amount was 48.52CHF. So very close. But the temporary holds have now been set as "permanent payments", and besides, I had already included those holds when doing my initial count.

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More often than not, you swipe somewhere for example at COOP and the charge only hits the statement a few days later, but is still taken off of your available balance - so think hard about where you may have spent something
I mostly use my prepaid card for meals and grocery deliveries, with 3rd party payment methods like Apple Pay or Twint. I triple checked my spendings between those apps and transaction listings on my card. There were no hidden fees or extra charges that I could find.

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or wait a few days before querying it with your bank.
Yeah, but I did want to ask the community here if they were ever confronted with this sort of issue, if the debit-credit algorithm could potentially have failures/errors, if it's some sort of theft method or me not interpreting the bill correctly etc.
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Old 05.09.2021, 20:34
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Re: Prepaid credit card expenses not adding up with available amount

Is this a Swiss based pre-paid card?

I can't believe that I am even arguing this, but how on Earth do you think there is an 'algorithm' error?

Fraud, theft - sure, but as you imply the bank stealing your money, LOL.....
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