Community Forums

Tugboat · 05-10-2022, 05:51 PM

I usually pay with cash but today I fueled up using a credit card. At $99.00 the pump stoped and said “maximum amount reached” I am now at a less then 1/2 tank and told that credit cards have a limit of $75 on gas and $99 on diesel. And it is done for the rest of the day so you can’t just rerun the card. And to add insult to it I was using a station that is hooked up to my food supermarket card and I had a ten cent discount on one fill up plus cash back on the credit card. So I had to pay cash for the other 1/2 + tank of fuel with out my discount or cash back.

Now that I am done venting have a nice day.

ShelbyM · 05-10-2022, 05:55 PM

I've read that if you take the card inside as opposed to swiping at the pump you may avoid that limit. Maybe try that next time?

ChrisDParise · 05-10-2022, 05:58 PM

Sounds like a limit imposed by the fuel station when using a.card. Haven't been out this year yet, but often put over $100 of fuel on my card.

Skip426 · 05-10-2022, 06:07 PM

The grocery store fuel station I use only discounts the first 35 gallons , does your store allow more fuel at the discount ?

The fuel bar will process the C/C in the kiosk for any amount I choose ,and issue a receipt at the pump for the amount dispended and show credit to the amount processed at the kiosk.

edge68474 · 05-10-2022, 06:17 PM

Did you try rerunning the card anyway. I will guess you did. I have run across that before and have just reinserted my card and do it again. Like someone said, go into the store and get them to run it again for you.
With todays high prices they should up the limit. I filled up my pickup which wasn't all that empty and it took $90. Ouch.

Ray,IN · 05-10-2022, 06:27 PM

Quote:

Originally Posted by ChrisDParise

Sounds like a limit imposed by the fuel station when using a.card. Haven't been out this year yet, but often put over $100 of fuel on my card.

CC card amount limits are imposed by the CC processing center, not the filling station or the CC company. The processing centers get paid by the number of cards processed and forwarded to the issuing bank.

I had been told the same thing, so I emailed Discover Card, and the above is what they explained to me. They also said imposing spending limits by either the business or the card issuer is contrary to their stated goal, which is making money.

US1 · 05-10-2022, 06:43 PM

Ive had to reswipe mine 3x before. Never have ran across any that limited me to just the 1 swipe.

jacwjames · 05-10-2022, 07:23 PM

I was out west last year and needed fuel bad. I even dropped my jeep so I could get into a fueling station. Had the same limits but it let me swipe my card more then once. Even went to the checkout to see if they would let me fill up on the card, nope.

Can't imagine what it would take now if I had to pump 100 gallons.

alank · 05-10-2022, 07:24 PM

My experiences are varied, you just have to learn the different processes, then go with the flow.
I purchase diesel at Sams Club many times, they usually have a $100,$125, or $150 pump limit. Then you have to recycle and start the pump again for another $100 or so dollars. Have your phone with you. I’ve had the CC card company text me and ask if the purchase was correct, have to answer YES before they will approve another purchase. The $100 plus purchase is out of the normal range for my normal purchases. I’ve also had the CC company text and ask if two identical purchases were correct, example two $100 purchases, to which I have to answer YES before they will allow additional purchases. I think you’ll run into this more when purchasing at stations that primarily sell gas.
Going through diesel lanes at truck stops, you’ll likely see larger pump limits, or go inside where they will charge your card for something like $500, then you go out, fill the tank, the amount on the pump will be charged to your card and the $500 amount will be dropped off.
It can be quite a learning process.
I went to one truck stop station in Iowa where you just grabbed the hose and filled up, then took your card inside to pay.

**NLOVNIT** · 05-10-2022, 08:39 PM

Back in the day, when credit cards used to alert you to charges outside of your "norm", I used to call the cc company to let them know I would be traveling in a large motorhome that required high dollar amounts charged at fuel stations to fill a large tank. But then, I also would go inside & pre-authorize an amount (estimated ppg + where my fuel gauge needle was) before starting the fueling process.

I never had an issue with a pump cutting off at a certain amount...even the ones with a sticker on them stating such.

doublechevy · 05-10-2022, 09:03 PM

When filling up recently pump limit was 125.00. reinserted the card and got another 125.00. third time was unsuccessful believe was cut off by CC company.
just used another card with the same bank to finish fillup another 125.00 then another 100.00 for fillup

One card was a Visa the other was a Mastercard with the same Bank
earned 3% cash back on both cards

Dutch Star Don · 05-10-2022, 09:03 PM

As "Ray,IN" stated, neither the station or the CC company are controlling the limit, it's a third party. Every station will have different limits. I'm finding that the majority are either $100, $125, or $150.

I rarely get by on one CC swipe and generally have to run the card twice. My PenFed car will not run a third time. If I need three swipes, I use my Capital One card.

Just my opinion....in the old days if you had two cards (spouse's card) they were the same card. Now they're linked to the same account yet have different numbers so if you need to cancel one, you don't lose access. I have a card just for fuel (PenFed) and a Capital One for all other purposes. This gives me two cards to use. I also bank with Wells Fargo, I don't use their cards but keep them in reserve.

I think if you travel a fair distance from home, you should have a minimum of two cards. Cash is nice but that's a lot of cash to carry, especially with crime on the uprise. You also miss out on the discounts a card can bring.

hohenwald48 · 05-11-2022, 05:39 AM

I just fill up more often. After burning $100 worth of fuel I'm usually ready for a short break anyway.

dizcom · 05-11-2022, 05:57 AM

Quote:

Originally Posted by hohenwald48

I just fill up more often. After burning $100 worth of fuel I'm usually ready for a short break anyway.

Yup - this exactly. I stop to fill each day underway. I don't need to, but I like the break. If the card cuts me off early, no big deal. I don't need it filled anyway. Haven't been out much this season yet though, so I might need to change my practices a bit.