I wanted to pay my large dental account (I had the money in my cheque account), so hoping to accumulate a large number of loyalty points, I attempted to pay with my new gold cheque card.I had to go and speak on the dentist's phone to verify who I was and an authoration number was given to the merchant. However, whenever she tried to put the transaction through, the machine came up with the message authoration required. Eventually I paid with a paper cheque, but I do feel Nedbank cheated me out of my loyalty points! read full review »