bakerstreet
Member
Though as has been pointed out (I don't usually defend them, but they exist), there are people who prefer to do all their spending in cash as they find that easier to manage and only use their debit card for cash withdrawals.
Will also be useful to understand the definition of available and what lengths the train operator will go to ascertain this.
I’ve had the scenario where I am going on the train to get expensive dental treatment in the same month as my card is up to capacity. I have paid cash for the train (and everything else that week!) to save my credit limit from being breached.
I have the card, but it’s not available.
I don’t think that cards being up to or near credit limit is either niche nor edge.
Or you have a card on a business account but you’re making a private journey.
I have the card but it’s not available.
Or for whatever reason I don’t wish to have a record of the journey made. This may be a niche but still fair in a free society.
Above all the passenger must remain the arbiter on what is available to them in this instance. Unless it becomes clearer that the railway is always requiring purchase in advance on website or on an app, or accepting only cash or only card.
Then we’re clear.