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send chequedex123 wrote:I am planning to make the citizenship payment through credit card as I think it will be faster than cheque clearance.
Not true. They first ensure that payment has been received ... cleared funds ... and whilst with card payments that happens "instantly", for cheques it takes days for the cheque to clear. Accordingly paying by cheque is bound to slow up matters.send cheque
card change nothing and doesn't speed up your application
only you'll be able to see the payment has been processed 2-3 days earlier
any proof?John wrote:Not true. They first ensure that payment has been received ... cleared funds ... and whilst with card payments that happens "instantly", for cheques it takes days for the cheque to clear. Accordingly paying by cheque is bound to slow up matters.send cheque
card change nothing and doesn't speed up your application
only you'll be able to see the payment has been processed 2-3 days earlier
it's another urban myth...nax_72 wrote:Also cheque is not equivalent to money until it is cleared. Only demand draft is equivalent to money. One can send a cheque and inform the bank not to authorise it. So no way cheque is equivalent to money for the amount we are talking here.
Hi,dex123 wrote:Thanks johnsienuk.
I think based on our normal day to day experience it seems natural to expect more delays with cheques.
Someone said that a card payment can be overturned, however the card company will ask for proof that it was fraudulent or unauthorized. If it was genuine then one cannot reverse it. Also with cards there is no risk of things like enough balance not being there etc because that is checked instantaneously.
With cheques, they could be cancelled by the account holder during the time period before it comes back for clearance (which takes normally 4 to 5 days). Yes one could go to court if it is refused but for most businesses it makes far more practical sense to wait for the clearance rather than go through the hassle.