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The good people there tell me the formal payment for my ticket from my credit card company arrived four minutes after my train left the station. That means, they say, that I bought my ticket on the train - and that is not allowed.
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How petty. Having said that, it'll be interesting to see how the courts interpret it. After all, it could be argued that if the customer had no way on the train to buy something with his credit card, there is no physical way he could initiate the transaction to buy the ticket.