In message <1130b71$2tp3n$1@dont-email.me>, at 16:17:52 on Sun, 12 Jul 2026, billy bookcase <billy@anon.com> remarked:
Please stop accusing me of calling you a liar.
I am simply saying that you are mistaken.
I'm not, and for the final time cease and desist.
[I can't believe I'm arguing with an anonymous and ignorant bit of
furniture, but eventually it has to stop]
In message <1137e29$10t3o$1@dont-email.me>, at 08:49:27 on Wed, 15 Jul 2026, billy bookcase <billy@anon.com> remarked:
So the question must be, why would any sensible person eschew using an >>Oyster Card
Because I wanted several, free of charge, and you have to put down a hard-to-get-refunded deposit to obtain an Oyster card.
"Roland Perry" <roland@perry.uk> wrote in message >news:XJAe2RH86zVqFA43@perry.uk...
In message <1137e29$10t3o$1@dont-email.me>, at 08:49:27 on Wed, 15 Jul 2026, >> billy bookcase <billy@anon.com> remarked:
So the question must be, why would any sensible person eschew using an >>>Oyster Card
Because I wanted several, free of charge, and you have to put down a
hard-to-get-refunded deposit to obtain an Oyster card.
So you needed to provide cards for your visitors.
You could have supplied then with Oyster Cards which you
knew could be guarenteed to work;
or at least would be
instantly recognised by the first CSA they encountered.
Instead you decided to issue them with these free
"Pre-Paid Credit Cards".
Except they have a zero credit limit, as you've explained.
Hence their low risk.
But then if there's a zero credit limit then they can't
charge any interest on them, can they ?
And yet they're allowing you to load these cards with money
for free. (Hence their big advantage over Oyster )
So what's in it for them ?
They're dishing out all these free cards, backed up by
all the infrastructure and back office functions needed
to make these things work. And all for free.
So what's in it for them ?
In message <113a2ao$1pu0n$1@dont-email.me>, at 08:47:33 on Thu, 16 Jul 2026, billy bookcase <billy@anon.com> remarked:
**** Grossly off-topic for unnm, but I'll reply briefly in the hope ****
**** this is the last time the subject gets mentioned.****
"Roland Perry" <roland@perry.uk> wrote in message >>news:XJAe2RH86zVqFA43@perry.uk...
In message <1137e29$10t3o$1@dont-email.me>, at 08:49:27 on Wed, 15 Jul 2026,
billy bookcase <billy@anon.com> remarked:
So the question must be, why would any sensible person eschew using an >>>>Oyster Card
Because I wanted several, free of charge, and you have to put down a
hard-to-get-refunded deposit to obtain an Oyster card.
So you needed to provide cards for your visitors.
You could have supplied then with Oyster Cards which you
knew could be guarenteed to work;
They require a deposit, as well as some money to pay the fares.
A card can be used outside London, and of course for purchases other than TfL
travel.
or at least would be
instantly recognised by the first CSA they encountered.
Instead you decided to issue them with these free
"Pre-Paid Credit Cards".
Except they have a zero credit limit, as you've explained.
Hence their low risk.
But then if there's a zero credit limit then they can't
charge any interest on them, can they ?
And yet they're allowing you to load these cards with money
for free. (Hence their big advantage over Oyster )
So what's in it for them ?
They're dishing out all these free cards, backed up by
all the infrastructure and back office functions needed
to make these things work. And all for free.
So what's in it for them ?
It's never a great idea to look in other people's pockets.
ps Some prepay cards charge typically 3% commission to top up.
"Roland Perry" <roland@perry.co.uk> wrote in message >news:sBxQkRO3RJWqFAml@perry.uk...
In message <113a2ao$1pu0n$1@dont-email.me>, at 08:47:33 on Thu, 16 Jul 2026, >> billy bookcase <billy@anon.com> remarked:
**** Grossly off-topic for unnm, but I'll reply briefly in the hope ****
**** this is the last time the subject gets mentioned.****
"Roland Perry" <roland@perry.uk> wrote in message >>>news:XJAe2RH86zVqFA43@perry.uk...
In message <1137e29$10t3o$1@dont-email.me>, at 08:49:27 on Wed, 15 >>>>Jul 2026,
billy bookcase <billy@anon.com> remarked:
So the question must be, why would any sensible person eschew using an >>>>>Oyster Card
Because I wanted several, free of charge, and you have to put down a
hard-to-get-refunded deposit to obtain an Oyster card.
So you needed to provide cards for your visitors.
You could have supplied then with Oyster Cards which you
knew could be guarenteed to work;
They require a deposit, as well as some money to pay the fares.
A card can be used outside London, and of course for purchases other
than TfL
travel.
or at least would be
instantly recognised by the first CSA they encountered.
Instead you decided to issue them with these free
"Pre-Paid Credit Cards".
Except they have a zero credit limit, as you've explained.
Hence their low risk.
But then if there's a zero credit limit then they can't
charge any interest on them, can they ?
And yet they're allowing you to load these cards with money
for free. (Hence their big advantage over Oyster )
So what's in it for them ?
They're dishing out all these free cards, backed up by
all the infrastructure and back office functions needed
to make these things work. And all for free.
So what's in it for them ?
It's never a great idea to look in other people's pockets.
That doesn't answer the question though, does it ?
What possible incentive could any business have, for issuing
a free "PRE_PAID CREDIT CARD"
Which don't forget NOBODY BUT YOURSELF in tbe whole of
recorded history HAS EVER SEEN or has seen ANY EVIDENCE
OF WHATSOEVER - yes those "PRE_PAID CREDIT CARDS
which I notice you're now trying to introduce into every
conversation
To repeat
What possible incentive could any business have for issuing
free "PRE_PAID CREDIT CARDS" from whic they generate
NO INCOME AT ALL, But instead have to pay ongoing
infrastructure, admin, and licencing costs ?
ps Some prepay cards charge typically 3% commission to top up.
PS but were'not talking aboute "SOME" pre-pay cards that typically
charge 3% commission , are we ?
We're talking about these particular "PRE_PAID CREDIT CARDS
of YOURS which are totally FREE !
Can you spot the difference ?
So that apart from
(a) It being contrary to any regulatory regime governing
the sale of financial products, to market the things as
"PRE_PAID CREDIT CARDS" when they clearly weren't
(b) Their making no economic sense whatsoever from the issuers point of
view.
(c) The fact that NOBODY BUT YOURSELF in tbe whole of recorded history
HAS EVER SEEN or has seen ANY EVIDENCE OF WHATSOEVER - of these
"PRE_PAID CREDIT CARDS
Yet you still expect people to believe that they actually exist ?
Really ?
bb
In message <113agsp$1udr3$1@dont-email.me>, at 12:56:06 on Thu, 16 Jul 2026, billy bookcase <billy@anon.com> remarked:
"Roland Perry" <roland@perry.co.uk> wrote in message >>news:sBxQkRO3RJWqFAml@perry.uk...
In message <113a2ao$1pu0n$1@dont-email.me>, at 08:47:33 on Thu, 16 Jul 2026,
billy bookcase <billy@anon.com> remarked:
**** Grossly off-topic for unnm, but I'll reply briefly in the hope **** >>> **** this is the last time the subject gets mentioned.****
"Roland Perry" <roland@perry.uk> wrote in message >>>>news:XJAe2RH86zVqFA43@perry.uk...
In message <1137e29$10t3o$1@dont-email.me>, at 08:49:27 on Wed, 15 Jul >>>>> 2026,
billy bookcase <billy@anon.com> remarked:
So the question must be, why would any sensible person eschew using an >>>>>>Oyster Card
Because I wanted several, free of charge, and you have to put down a >>>>> hard-to-get-refunded deposit to obtain an Oyster card.
So you needed to provide cards for your visitors.
You could have supplied then with Oyster Cards which you
knew could be guarenteed to work;
They require a deposit, as well as some money to pay the fares.
A card can be used outside London, and of course for purchases other than >>> TfL
travel.
or at least would be
instantly recognised by the first CSA they encountered.
Instead you decided to issue them with these free
"Pre-Paid Credit Cards".
Except they have a zero credit limit, as you've explained.
Hence their low risk.
But then if there's a zero credit limit then they can't
charge any interest on them, can they ?
And yet they're allowing you to load these cards with money
for free. (Hence their big advantage over Oyster )
So what's in it for them ?
They're dishing out all these free cards, backed up by
all the infrastructure and back office functions needed
to make these things work. And all for free.
So what's in it for them ?
It's never a great idea to look in other people's pockets.
That doesn't answer the question though, does it ?
<shrug> You insist on a flogging a very dead horse, off topic for the newsgroup, and borderline abusive. So I decline to answer any further than my
previous posting, which says everything that's necessary.
What possible incentive could any business have, for issuing
a free "PRE_PAID CREDIT CARD"
Which don't forget NOBODY BUT YOURSELF in tbe whole of
recorded history HAS EVER SEEN or has seen ANY EVIDENCE
OF WHATSOEVER - yes those "PRE_PAID CREDIT CARDS
which I notice you're now trying to introduce into every
conversation
To repeat
What possible incentive could any business have for issuing
free "PRE_PAID CREDIT CARDS" from whic they generate
NO INCOME AT ALL, But instead have to pay ongoing
infrastructure, admin, and licencing costs ?
ps Some prepay cards charge typically 3% commission to top up.
PS but were'not talking aboute "SOME" pre-pay cards that typically
charge 3% commission , are we ?
We're talking about these particular "PRE_PAID CREDIT CARDS
of YOURS which are totally FREE !
Can you spot the difference ?
So that apart from
(a) It being contrary to any regulatory regime governing
the sale of financial products, to market the things as
"PRE_PAID CREDIT CARDS" when they clearly weren't
(b) Their making no economic sense whatsoever from the issuers point of >>view.
(c) The fact that NOBODY BUT YOURSELF in tbe whole of recorded history
HAS EVER SEEN or has seen ANY EVIDENCE OF WHATSOEVER - of these
"PRE_PAID CREDIT CARDS
Yet you still expect people to believe that they actually exist ?
Really ?
bb
--
Roland Perry
I must say I feel this conversation is somewhat pointless on both sides. I have to accept that these cards were sold to you as "pre-paid credit cards",
"Roger Hayter" <roger@hayter.org> wrote in message news:1101249310.06ddfd48@uninhabited.net...
I must say I feel this conversation is somewhat pointless on both sides. I >> have to accept that these cards were sold to you as "pre-paid credit cards",
But they can't have been, can they ?
Mr Perry has already explained that he bought these cards specifically because there was no possible risk, except for the money loaded
onto them daily; up to the Tfl limit.
Whereas if he'd actually bought "pre-paid credit cards" then were the cards to be lost he would not only lose any money loaded onto them but potentially everything up to the credit card limit
So these cards must have been sold to Mr Perry as
"pre-paid credit cards that don't offer any credit"
bb
On 16 Jul 2026 at 18:30:36 BST, ""billy bookcase"" <billy@anon.com> wrote:
"Roger Hayter" <roger@hayter.org> wrote in message
news:1101249310.06ddfd48@uninhabited.net...
I must say I feel this conversation is somewhat pointless on both sides. I >>> have to accept that these cards were sold to you as "pre-paid credit cards",
But they can't have been, can they ?
Mr Perry has already explained that he bought these cards specifically
because there was no possible risk, except for the money loaded
onto them daily; up to the Tfl limit.
Whereas if he'd actually bought "pre-paid credit cards" then were the cards >> to be lost he would not only lose any money loaded onto them but potentially >> everything up to the credit card limit
So these cards must have been sold to Mr Perry as
"pre-paid credit cards that don't offer any credit"
bb
Absolutely true. But the whole conversation has been about cards which for some operational, marketing or administrative purposes are described as credit
cards by the vendor although they do not grant credit to the holder.
There
seems no point in you or anyone else disputing the existence of such cards.
Because that is precisely the sort of thing vendors do.
"Roger Hayter" <roger@hayter.org> wrote in message news:2491804452.0399127b@uninhabited.net...
On 16 Jul 2026 at 18:30:36 BST, ""billy bookcase"" <billy@anon.com> wrote: >>
"Roger Hayter" <roger@hayter.org> wrote in message
news:1101249310.06ddfd48@uninhabited.net...
I must say I feel this conversation is somewhat pointless on both sides. I >>>> have to accept that these cards were sold to you as "pre-paid credit cards",
But they can't have been, can they ?
Mr Perry has already explained that he bought these cards specifically
because there was no possible risk, except for the money loaded
onto them daily; up to the Tfl limit.
Whereas if he'd actually bought "pre-paid credit cards" then were the cards >>> to be lost he would not only lose any money loaded onto them but potentially
everything up to the credit card limit
So these cards must have been sold to Mr Perry as
"pre-paid credit cards that don't offer any credit"
bb
Absolutely true. But the whole conversation has been about cards which for >> some operational, marketing or administrative purposes are described as credit
cards by the vendor although they do not grant credit to the holder.
All of which would clearly fall foul of the Consumer Credit Act of 1974 which states
quote:
43 Advertisements to which Part IV applies
(1) This Part applies to any advertisement, published for the purposes of a business
carried on by the advertiser, indicating that he is willing-
(a) to provide credit,
or [irrelevant Scottish stuff }
46 False or misleading advertisements
(1)If an advertisement to which this Part applies conveys information which in
a
material
respect is false or misleading the advertiser commits an offence.
unquote
https://www.legislation.gov.uk/ukpga/1974/39/part/IV/crossheading/advertising/enacted
So the Vendors say they're going to provide credit; only they're not
I take it you can see the potential problem here ?
So will the vendors all end up in jail, even before My Perry's visitors get a
chance to try
out their new cards ?
There
seems no point in you or anyone else disputing the existence of such cards.
See above.
Because that is precisely the sort of thing vendors do.
Really ?
So they market and administer *free to use* cards, which Mr Perry was able to top
up on a daily basis, but from which there is was no possibility of their deriving any
real income of kind ?.
What would they want to do that ?
More especially as so acting was in clear breach of the Consumer Credit Act of
1974; and
so they would need to generate at least some income in order to pay their potential
legal costs and fines.
bb
On 16 Jul 2026 at 20:00:36 BST, ""billy bookcase"" <billy@anon.com> wrote:
"Roger Hayter" <roger@hayter.org> wrote in message
news:2491804452.0399127b@uninhabited.net...
On 16 Jul 2026 at 18:30:36 BST, ""billy bookcase"" <billy@anon.com> wrote: >>>
"Roger Hayter" <roger@hayter.org> wrote in message
news:1101249310.06ddfd48@uninhabited.net...
I must say I feel this conversation is somewhat pointless on both sides. I
have to accept that these cards were sold to you as "pre-paid credit >>>>> cards",
But they can't have been, can they ?
Mr Perry has already explained that he bought these cards specifically >>>> because there was no possible risk, except for the money loaded
onto them daily; up to the Tfl limit.
Whereas if he'd actually bought "pre-paid credit cards" then were the cards
to be lost he would not only lose any money loaded onto them but
potentially
everything up to the credit card limit
So these cards must have been sold to Mr Perry as
"pre-paid credit cards that don't offer any credit"
bb
Absolutely true. But the whole conversation has been about cards which for >>> some operational, marketing or administrative purposes are described as
credit
cards by the vendor although they do not grant credit to the holder.
All of which would clearly fall foul of the Consumer Credit Act of 1974 which
states
quote:
43 Advertisements to which Part IV applies
(1) This Part applies to any advertisement, published for the purposes of a >> business
carried on by the advertiser, indicating that he is willing-
(a) to provide credit,
or [irrelevant Scottish stuff }
46 False or misleading advertisements
(1)If an advertisement to which this Part applies conveys information which >> in
a
material
respect is false or misleading the advertiser commits an offence.
unquote
https://www.legislation.gov.uk/ukpga/1974/39/part/IV/crossheading/advertising/enacted
So the Vendors say they're going to provide credit; only they're not
I take it you can see the potential problem here ?
So will the vendors all end up in jail, even before My Perry's visitors get >> a
chance to try
out their new cards ?
ThereSee above.
seems no point in you or anyone else disputing the existence of such cards. >>
Because that is precisely the sort of thing vendors do.
Really ?
So they market and administer *free to use* cards, which Mr Perry was able to
top
up on a daily basis, but from which there is was no possibility of their
deriving any
real income of kind ?.
What would they want to do that ?
More especially as so acting was in clear breach of the Consumer Credit Act >> of
1974; and
so they would need to generate at least some income in order to pay their
potential
legal costs and fines.
bb
Meanwhile in the real world a headline statement that "this prepaid credit card does not grant you credit" would short circuit all that.
"Roger Hayter" <roger@hayter.org> wrote in message news:3165951208.73a77d40@uninhabited.net...
On 16 Jul 2026 at 20:00:36 BST, ""billy bookcase"" <billy@anon.com> wrote: >>
"Roger Hayter" <roger@hayter.org> wrote in message
news:2491804452.0399127b@uninhabited.net...
On 16 Jul 2026 at 18:30:36 BST, ""billy bookcase"" <billy@anon.com> wrote: >>>>
"Roger Hayter" <roger@hayter.org> wrote in message
news:1101249310.06ddfd48@uninhabited.net...
I must say I feel this conversation is somewhat pointless on both sides. I
have to accept that these cards were sold to you as "pre-paid credit >>>>>> cards",
But they can't have been, can they ?
Mr Perry has already explained that he bought these cards specifically >>>>> because there was no possible risk, except for the money loaded
onto them daily; up to the Tfl limit.
Whereas if he'd actually bought "pre-paid credit cards" then were the cards
to be lost he would not only lose any money loaded onto them but
potentially
everything up to the credit card limit
So these cards must have been sold to Mr Perry as
"pre-paid credit cards that don't offer any credit"
bb
Absolutely true. But the whole conversation has been about cards which for >>>> some operational, marketing or administrative purposes are described as >>>> credit
cards by the vendor although they do not grant credit to the holder.
All of which would clearly fall foul of the Consumer Credit Act of 1974 which
states
quote:
43 Advertisements to which Part IV applies
(1) This Part applies to any advertisement, published for the purposes of a >>> business
carried on by the advertiser, indicating that he is willing-
(a) to provide credit,
or [irrelevant Scottish stuff }
46 False or misleading advertisements
(1)If an advertisement to which this Part applies conveys information which >>> in
a
material
respect is false or misleading the advertiser commits an offence.
unquote
https://www.legislation.gov.uk/ukpga/1974/39/part/IV/crossheading/advertising/enacted
So the Vendors say they're going to provide credit; only they're not
I take it you can see the potential problem here ?
So will the vendors all end up in jail, even before My Perry's visitors get
a
chance to try
out their new cards ?
There
seems no point in you or anyone else disputing the existence of such cards.
See above.
Because that is precisely the sort of thing vendors do.
Really ?
So they market and administer *free to use* cards, which Mr Perry was able to
top
up on a daily basis, but from which there is was no possibility of their >>> deriving any
real income of kind ?.
What would they want to do that ?
More especially as so acting was in clear breach of the Consumer Credit Act >>> of
1974; and
so they would need to generate at least some income in order to pay their >>> potential
legal costs and fines.
bb
Meanwhile in the real world a headline statement that "this prepaid credit >> card does not grant you credit" would short circuit all that.
A prepaid credit card that doesn't offer credit, is by definition an impossibility.
It's a contradiction in terms
If it is a credit card then it offers credit. Full stop
If it's doesn't offer credit then it's not a credit card. Full stop
I can't really see how its possible to get any more misleading, than
to market a card that claims to do two contradictory things at the
same time.
Can you ?
Meanwhile there's still of course the thorny question of the card's
evident non profitability to address.
I thought that I'd offered Mr Perry an out, with the reference to the
readily acknowledged fallibility of autobiographical memory; along with a source. But seemingly Mr Perry is citing his customary exceptionalism to claim immunity from any such possibility; something which can affect any
one of the rest of us lesser mortals, at any time or at any age.
But regardless of any trusty sword of truth nonsense I'm simply not
in the habit, and certainly not at this age, of pandering to the delusions
of self important individuals simply so as to accede to some power
they have over me; which they seemingly have at their disposal
and can arbitrarily use at their sole discretion to suit their
own purposes.
bb
If it's doesn't offer credit then it's not a credit card. Full
stop
Welcome to the wonderful world of real life.
On 16 Jul 2026 at 21:53:55 BST, ""billy bookcase"" <billy@anon.com> wrote:
Was it an advertising loss leader to promote their proper card account?
Was
there an additional fee to the prepaid amount? Sadly we shall never know.
And
it is blindingly irrelevant.
On 16 Jul 2026 21:35:12 GMT
Roger Hayter <roger@hayter.org> wrote:
If it's doesn't offer credit then it's not a credit card. Full
stop
Welcome to the wonderful world of real life.
I have a Mastercard prepaid card, it doesn't say either credit or debit anywhere on it, just prepaid.
You put money on it, you pay with it provided that the balance is
sufficient and it provides various amounts cashback to the account with
which it is associated depending on where it is used.
. Logic alone is not going to forbid the sale of a non-credit-granting credit >card.
"Brian Morrison" <news@fenrir.org.uk> wrote in message news:20260716225311.7dcc0d0b@deangelis.fenrir.org.uk...
On 16 Jul 2026 21:35:12 GMT
Roger Hayter <roger@hayter.org> wrote:
If it's doesn't offer credit then it's not a credit card. Full
stop
Welcome to the wonderful world of real life.
I have a Mastercard prepaid card, it doesn't say either credit or debit
anywhere on it, just prepaid.
You put money on it, you pay with it provided that the balance is
sufficient and it provides various amounts cashback to the account with
which it is associated depending on where it is used.
And if it's doesn't offer credit, then it's not a credit card. Full
stop
"Brian Morrison" <news@fenrir.org.uk> wrote in message news:20260716225311.7dcc0d0b@deangelis.fenrir.org.uk...
On 16 Jul 2026 21:35:12 GMT[...]
Roger Hayter <roger@hayter.org> wrote:
Welcome to the wonderful world of real life.
I have a Mastercard prepaid card, it doesn't say either credit or
debit anywhere on it, just prepaid.
You put money on it, you pay with it provided that the balance is sufficient and it provides various amounts cashback to the account
with which it is associated depending on where it is used.
And if it's doesn't offer credit, then it's not a credit card. Full
stop
On 2026-07-16, billy bookcase <billy@anon.com> wrote:
"Brian Morrison" <news@fenrir.org.uk> wrote in message
news:20260716225311.7dcc0d0b@deangelis.fenrir.org.uk...
On 16 Jul 2026 21:35:12 GMT
Roger Hayter <roger@hayter.org> wrote:
If it's doesn't offer credit then it's not a credit card. Full
stop
Welcome to the wonderful world of real life.
I have a Mastercard prepaid card, it doesn't say either credit or debit
anywhere on it, just prepaid.
You put money on it, you pay with it provided that the balance is
sufficient and it provides various amounts cashback to the account with
which it is associated depending on where it is used.
And if it's doesn't offer credit, then it's not a credit card. Full
stop
You really are working quite hard to prove that your suspension from
the moderated group is well justified.
In message <113bdrd$28imd$1@dont-email.me>, at 20:10:21 on Thu, 16 Jul 2026, Handsome Jack <jack@handsome.com> remarked:
If someone wants to post here exactly how to get one of these alleged >>>>prepaid credit cards, I will get one and try to register it as the >>>>payment method on my new (second hand) iphone. The outcome might answer >>>>some of these questions, if I understand them right.
You'll need to get yourself a TARDIS first, because the period of time
under discussion was ten years ago, and things have changed since then.
I see - I hadn't realised the thread was quite so pointless as that.
It's called "history". So when I write some historical notes, and others who must have not been paying attention back in the day, say "that can't possibly have happened", then it's important to put the record straight.
The evolution of payment methods is quite fascinating.
If it is a credit card then it offers credit. Full stop
If it's doesn't offer credit then it's not a credit card. Full stop
I can't really see how its possible to get any more misleading, than
to market a card that claims to do two contradictory things at the
same time.
Can you ?
Meanwhile there's still of course the thorny question of the card's
evident non profitability to address.
I thought that I'd offered Mr Perry an out, with the reference to the
readily acknowledged fallibility of autobiographical memory; along with a >source. But seemingly Mr Perry is citing his customary exceptionalism to >claim immunity from any such possibility; something which can affect any
one of the rest of us lesser mortals, at any time or at any age.
But regardless of any trusty sword of truth nonsense I'm simply not
in the habit, and certainly not at this age, of pandering to the delusions
of self important individuals
simply so as to accede to some power they have over me; which they >seemingly have at their disposal and can arbitrarily use at their sole >discretion to suit their own purposes.
...Meanwhile there's still of course the thorny question of the card's
evident non profitability to address.
bb
Was it an advertising loss leader to promote their proper card account? Was >there an additional fee to the prepaid amount? Sadly we shall never know. And >it is blindingly irrelevant.
If it's doesn't offer credit then it's not a credit card. Full
stop
Welcome to the wonderful world of real life.
I have a Mastercard prepaid card, it doesn't say either credit or debit >anywhere on it, just prepaid.
You put money on it, you pay with it provided that the balance is
sufficient and it provides various amounts cashback to the account with
which it is associated depending on where it is used.
Why would anyone who needed to open a proper credit card account, chose to >first obtain a pre-paid card, instead ?
Was
there an additional fee to the prepaid amount? Sadly we shall never know.
Oh yes we do ! The only reason Mr. Perry chose that particular card was,
in his own words, because it was free.
In message <113blgu$2b956$1@dont-email.me>, at 23:21:14 on Thu, 16 Jul 2026, billy bookcase <billy@anon.com> remarked:
Why would anyone who needed to open a proper credit card account, chose to >>first obtain a pre-paid card, instead ?
WasOh yes we do ! The only reason Mr. Perry chose that particular card was,
there an additional fee to the prepaid amount? Sadly we shall never know. >>
in his own words, because it was free.
That's a false assertion. I obtained them (and this has been mentioned several
times, are you suffering from amnesia?) because of the lack of risk should the
card be lost, stolen, or used by the person I lent it to buy things other than
TfL fares.
In message <1137e29$10t3o$1@dont-email.me>, at 08:49:27 on Wed, 15 Jul 2026, billy bookcase <billy@anon.com> remarked:
So the question must be, why would any sensible person eschew using an >>Oyster Card
*Because I wanted several, free of charge,* and you have to put down a hard-to-get-refunded deposit to obtain an Oyster card.
--
Roland Perry
Still apparently in a sate of utter confusion Roland "Cease and Desist" Perry ><roland@perry.co.uk> wrote in message news:ttqQfTUmwzZqFAcv@perry.uk...
In message <113blgu$2b956$1@dont-email.me>, at 23:21:14 on Thu, 16 Jul 2026, >> billy bookcase <billy@anon.com> remarked:
Why would anyone who needed to open a proper credit card account, chose to >>>first obtain a pre-paid card, instead ?
WasOh yes we do ! The only reason Mr. Perry chose that particular card was, >>>in his own words, because it was free.
there an additional fee to the prepaid amount? Sadly we shall never know. >>>
That's a false assertion. I obtained them (and this has been
mentioned several
times, are you suffering from amnesia?) because of the lack of risk >>should the
card be lost, stolen, or used by the person I lent it to buy things
other than
TfL fares.
...........................................................
"Roland Perry" <roland@perry.uk> wrote in message >news:XJAe2RH86zVqFA43@perry.uk...
In message <1137e29$10t3o$1@dont-email.me>, at 08:49:27 on Wed, 15 Jul 2026, >> billy bookcase <billy@anon.com> remarked:
So the question must be, why would any sensible person eschew using an >>>Oyster Card
*Because I wanted several, free of charge,* and you have to put down a
hard-to-get-refunded deposit to obtain an Oyster card.
--
Roland Perry
..........................................................
Although that was all of 12 days ago, after all, (as opposed to 10 years); >and so allowances will need to be made, I suppose.
HTH (as always)
bb
In message <1148b5o$3fe6q$1@dont-email.me>, at 20:22:31 on Mon, 27 Jul 2026, billy bookcase <billy@anon.com> remarked:
Still apparently in a sate of utter confusion Roland "Cease and Desist" Perry >><roland@perry.co.uk> wrote in message news:ttqQfTUmwzZqFAcv@perry.uk...
In message <113blgu$2b956$1@dont-email.me>, at 23:21:14 on Thu, 16 Jul 2026,
billy bookcase <billy@anon.com> remarked:
Why would anyone who needed to open a proper credit card account, chose to >>>>first obtain a pre-paid card, instead ?
WasOh yes we do ! The only reason Mr. Perry chose that particular card was, >>>>in his own words, because it was free.
there an additional fee to the prepaid amount? Sadly we shall never know. >>>>
That's a false assertion. I obtained them (and this has been mentioned
several
times, are you suffering from amnesia?) because of the lack of risk should >>> the
card be lost, stolen, or used by the person I lent it to buy things other >>> than
TfL fares.
...........................................................
"Roland Perry" <roland@perry.uk> wrote in message >>news:XJAe2RH86zVqFA43@perry.uk...
In message <1137e29$10t3o$1@dont-email.me>, at 08:49:27 on Wed, 15 Jul 2026,
billy bookcase <billy@anon.com> remarked:
So the question must be, why would any sensible person eschew using an >>>>Oyster Card
*Because I wanted several, free of charge,* and you have to put down a
hard-to-get-refunded deposit to obtain an Oyster card.
--
Roland Perry
..........................................................
Although that was all of 12 days ago, after all, (as opposed to 10 years); >>and so allowances will need to be made, I suppose.
HTH (as always)
bb
It helps me understand your obsession.
In message <114db7s$11dt8$1@dont-email.me>, at 17:54:17 on Wed, 29 Jul 2026, billy bookcase <billy@anon.com> remarked:
[snip] more waffle.
"Roland Perry" <roland@perry.co.uk> wrote in message news:fJNcm+F1ZjaqFAhS@perry.uk...
In message <114db7s$11dt8$1@dont-email.me>, at 17:54:17 on Wed, 29 Jul 2026, >> billy bookcase <billy@anon.com> remarked:
[snip] more waffle.
For that to be of any real use, you would have needed to have snipped
it, *before* anyone else got the chance to read it.
HTH
On 29 Jul 2026 at 18:31:35 BST, ""billy bookcase"" <billy@anon.com> wrote:
"Roland Perry" <roland@perry.co.uk> wrote in message
news:fJNcm+F1ZjaqFAhS@perry.uk...
In message <114db7s$11dt8$1@dont-email.me>, at 17:54:17 on Wed, 29 Jul 2026,
billy bookcase <billy@anon.com> remarked:
[snip] more waffle.
For that to be of any real use, you would have needed to have snipped
it, *before* anyone else got the chance to read it.
HTH
That would have been a public service!
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