The money is back on my account

Discussion in 'iPad' started by flyguy206, Mar 15, 2010.

  1. flyguy206 macrumors 6502a

    Joined:
    Aug 5, 2008
    #1
    So when i pre orderd my ipad they took the money now i see it back in my account has this happen to anyone else?
     
  2. elfxmilhouse macrumors 6502a

    Joined:
    Oct 15, 2008
    Location:
    Northeast USA
    #2
    my card was never charged.

    i think they charge it when it ships
     
  3. mac-mania macrumors member

    Joined:
    Jun 12, 2005
    #3
    Ok, this is straightforward. The short of it is the money will be taken out when the item ships. If the money gets taken out immediately at order and put back a few days later well then you paid with a debit card, Apple authorizes the charge to make sure you have money in your account, then releases it a few days later. Then will fully charge you when it ships.
     
  4. flyguy206 thread starter macrumors 6502a

    Joined:
    Aug 5, 2008
    #4

    thanks.
     
  5. Julien macrumors G3

    Julien

    Joined:
    Jun 30, 2007
    Location:
    Atlanta
    #5
    No monies were ever charged or transferred to Apple. You card issuer simply put a pre-authorization and held back that much on your account in case Apple decided to make the charge. This is done on accounts that are near their limit (or have a low limit) and/or newer accounts. For credit reporting/building purposes you should never charge more than 30% of your card's limit.
     
  6. mrgreen4242 macrumors 601

    mrgreen4242

    Joined:
    Feb 10, 2004
    #6
    I paid with a debit card and never had it charged, other than a $1 validating hold. I think it was something with BoA, as everyone reporting holds for the full amount seemed to be BoA cardholders.
     
  7. MrAgileBeast macrumors regular

    Joined:
    Mar 2, 2010
    #7
    im with Bank of America...
    and i have 50 dollars in my account :D

    im broke hahaha

    but i already paid and nothing has been returned...

    (as for being broke, i get paid today, no worries)
     
  8. gwynne macrumors 68000

    gwynne

    Joined:
    Mar 11, 2010
    #8
    Adding data point because I'm bored.

    Wachovia/WF, debit, entire amount pre-auth'd but I haven't looked today to see if it fell back off.
     
  9. aristobrat macrumors G5

    Joined:
    Oct 14, 2005
    #9
    It's up to the individual bank as to whether or not they show pre-auths when customers check their accounts transaction online.

    BofA shows me a lot more "behind-the-scene" stuff when I check my account online than any other bank I've banked with.
     
  10. yankintx macrumors 6502

    Joined:
    Feb 2, 2010
    #10
    I think that if people are worried about whether the monies have been taken out now or next week when it ships, then maybe they shouldn't be buying an IPAD because they really can't afford one.
     
  11. Matthew9559 macrumors 6502a

    Matthew9559

    Joined:
    Apr 7, 2007
    Location:
    Cleveland, OH
    #11
    I was only charged $1 to my account for pre-order of 2 iPads. I hope they don't take the money for both at some point very soon.
     
  12. ugp macrumors 65816

    ugp

    Joined:
    Jan 7, 2008
    Location:
    Inverness, Florida
    #12
    My card was never charged and typically with Pre-Orders you are not charged until the order ships.
     
  13. T4R06 macrumors 65816

    Joined:
    Oct 8, 2007
    Location:
    CT
    #13
    same bank here BOA. i got charge instantly(debit) a dollar and the $599plus tax pending
     
  14. mrgreen4242 macrumors 601

    mrgreen4242

    Joined:
    Feb 10, 2004
    #14
    My credit union always shows preauthorizations as part of my pending balance. Pay at the pump gas is the most common, and the $1 charge from Apple showed up (and came back within 24 hours).
     
  15. GoCubsGo macrumors Nehalem

    GoCubsGo

    Joined:
    Feb 19, 2005
    #15
    How it is that a) this is such a common question b) people actually have a bank account and fail to understand how using your debit card works.

    Future Financial Leaders of America hear me out:
    Banks will show a pre-auth as money out or as pending depending upon their own insituation rules. Actual credit cards will be hit witha pre-auth but you're likely not to see this, exceptions to these rules apply but this is not abnormal. Apple wants to see if the money is there, however, if it's not there when the item is set to ship you're not getting your toy.
     
  16. vertigo235 macrumors 6502

    Joined:
    Jun 6, 2009
    #16
    Personally I wish they would just take the money now.
     
  17. Juventuz macrumors 6502a

    Juventuz

    Joined:
    Dec 4, 2002
    Location:
    Binghamton
    #17
    My bank put a pre-authorization on my card and it doesn't expire until Wednesday at midnight they said. And I pre-ordered at 8:35am on Friday.

    As for your statement about it being on accounts that are near their limit, that's simply not true. The charge for my iPad is nowhere near my limit, not even at 10% of my limit yet it's still on my account.
     
  18. justinfreid macrumors 6502

    justinfreid

    Joined:
    Nov 24, 2009
    Location:
    NEW Jersey / USA
    #18
    Newest and most magical feature of the iPad...

    Newest and most magical feature: free.
     
  19. PsyD4Me macrumors 6502a

    PsyD4Me

    Joined:
    Mar 11, 2009
    Location:
    under your bed

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