I am publishing one of the emails I received from my readers below.
Hello Arif, I came across your site while searching online, and it is very successful and useful. If you don't mind, I would like to ask a question. In transactions made at ATMs with not-on-us cards, is it a general rule that no information is given when the overdraft (KMH) is used? For example, I have a balance of 100 and I withdraw 120; can't the ATM warn me? I think the problem is that banks return the available limit including the overdraft, although it is not a difficult thing to do. It would also make sense from the end user's point of view. I would like to hear your opinion. A friend who works on cards said not-on-us transactions don't return it, so I felt the need to ask. Thanks in advance. Best regards.
ANSWER:
We are happy if what we write on our site is useful. At the moment, BKM only processes transactions based on the available limit. And interest-based banks send the available limit with the overdraft added to it. If these two limits were sent in separate fields when the limit information is sent in the authorization, the problem would be solved. Unfortunately, the distinction cannot be made in the current structure. Participation banks are putting pressure on BKM on this issue. A regulation may come soon. Let's wait a bit and see :)
