Today, a debit was made against I virtual card that was cancelled at the beginning of August. When I queried this with Support, the agent just kept parroting the same phrase - it was an offline transaction and these can go through at any time, regardless of card status.
When I asked the agent if that meant that even cards which have been cancelled or terminated, due to being lost or stolen, could be used to make debits against my account, she just repeated the mantra about offline transactions being able to go through at any time, regardless of the actual status of the card (expired or cancelled even).
I can’t believe that even Revolut would allow something like this - once a card is cancelled (for whatever reason) it is surely cancelled, isn’t it? How can debits possibly be made against cards terminated weeks or months earlier?
Is it some flaw in the Virtual card system perhaps? I just can’t believe that if you cancelled a physical card then it could remain open to future debits.
I still don’t properly understand this ‘offline transaction’ explanation, but each time I asked how debits could be made against terminated cards she merely repeated that it was an offline transaction, and such things could happen with offline transactions.
Right now, I’m ready to cancel my Revolut account and walk away, because this concept is very disturbing to me. Unless I get some kind of satisfactory answer (which the agent was unable to provide) I don’t see how I can go on using Revolut under these circumstances.
I had an online subscription that proved to be virtually impossible to be cancel - no ability to cancel it online or via email. You had to call a specific phone number given on their website. The problem was that nobody ever picked up. The last few times I tried calling I was on hold for over an hour before eventually being disconnected. My solution to this was to update the billing details on my profile with a newly created Virtual card - the payment validation required you to put in genuine card details. The moment the card details were saved successfully I deleted the virtual card, so it was never active for more than a minute or so. Over the last several weeks, this vendor made dozens of unsuccessful attempts to debit the card, until finally a debit was made against my card today. There were no funds in my EUR account, so they took the money out of my GBP account instead!