This tag is to be used for any question related to debit cards. If the question is specific on legality, it should be accompanied by a country tag. In case the debit card is being issued in one country and used in another, the question should indicate this clearly and/or use multiple country tags.

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2
votes
2answers
35 views

When making a credit transaction, why does it take the transaction a couple days to clear, but it can communicate the hold immediately?

I find it interesting that if I make a purchase as a credit transaction -- that it takes a couple of days to clear, but yet, the hold can be communicated immediately. If the networks in place can ...
1
vote
0answers
21 views

Checking fraud withdrawal with atm bank

I have a pre-paid debit card, which I suspect some fraud cash withdrawals have happened at an ATM machine in Portugal (I'm currently staying there). I'm wondering is there any chance the bank where ...
0
votes
1answer
28 views

How to transfer money from a paysafe card to Paypal or debit cards

The question is pretty straightforward but I'll put some background to it: I got a paysafecard to make a purchase from an online site that no longer supports this way of payment. I'd like to transfer ...
1
vote
1answer
38 views

Nationwide FlexOne internationally

I am planning a trip to Berlin, and I have seen that my debit card has no transaction fees or cash fees for foreign currency, so it is charged at VISA's exchange rate. Are there any costs I'm missing, ...
4
votes
3answers
156 views

Maximum transaction amount on debit card (USA)

Usually when a credit (yes credit and not debit - I didn't mistype) card has too little available credit, some of the card balance needs to be paid off. The available credit is increased by the amount ...
3
votes
1answer
110 views

Why do retailers in Peru have different POS terminals for Mastercard and Visa?

A recent visit to Lima showed me that virtually all retailers who accepted both cards had to use two different terminals instead of a unified one. Is there a specific infrastructure, culture or market ...
-2
votes
4answers
235 views

Transfer from Amex Credit card to BofA debit card

Note: before seeing "extra" information as noise, note that users have requested more details. Question: How can my father send money from his American Express Credit card to my Bank Of America Debit ...
3
votes
1answer
130 views

Is home address required for online payments

I have a question about online payment and I would appreciate it if one could answer. For online payments with debitcard in the UK, at the time of payment, I have always been asked to enter the home ...
3
votes
1answer
57 views

Find out if I have recurring charges to my accounts?

I do online payments for various services, and I'm wondering if over the years I've accumulated some recurring (perhaps annual) charges that I've forgotten about, for services I no longer use. Is ...
1
vote
2answers
133 views

Why do car rental companies prefer/require credit over debit cards?

Renting a car frequently requires a credit card. At best, renting a car is more of a hassle with a debit card. Sure, I'm using their stuff, but putting a £1000 hold on my Visa Debit should work just ...
4
votes
1answer
124 views

Can I pay for my wife's hospital bill from my HSA?

My wife is on a different insurance plan than me. Different provider and all. I have a HSA that my employer and I contribute to every paycheck. Can I pay for my wife's hospital bill with my HSA ...
3
votes
2answers
110 views

Will my India based Visa debit card work in the USA or do I need a chip based EMV card?

I have an international debit card by VISA issued in India. The card has magnetic stripe. Will the ATM card be valid in the USA or do i need a chip based EMV card?
0
votes
1answer
121 views

How to avoid maintenance fee when balance drops below minimum?

Looking for a way to, in the event of a purchase dropping my balance below the minimum daily balance (MDB) with no way to bring it above the MDB before the end of the day, make 6 point of sale (POS) ...
2
votes
2answers
58 views

Does Visa Electron preauth success necessarily mean the transaction will succeed?

I have placed an order with an online store which preauthorises charges at 100% the price of the item. Now on my Visa Electron debit card I have a daily purchase limit of say x dollars. The purchase ...
1
vote
0answers
247 views

Prepaid VISA Debit Card declined on Amazon.com

So I tried to make a purchase on Amazon.com using my Prepaid Visa Debit Card but it was declined, they said: We have canceled your recent Amazon.com order(s) because we are unable to charge your ...
2
votes
3answers
294 views

My bank often blocks my card during purchases - what is the most reliable bank card? (UK)

My bank (Natwest) blocks my debit card so frequently that I'm often worried about making large transactions - such as checking out of a hotel, buying at a luxury store, etc. It ruins experiences that ...
0
votes
1answer
109 views

Multiple prepaid card sharing the same funds

There exists a prepaid card service which allows multiple cards to refer to the same account/pool of funds? With my house mates we would like to setup a prepaid card to which automatically transfer ...
0
votes
1answer
257 views

What are “PIN-less” transactions, when are they possible, and how do I make sure my transaction is PIN-less?

Rewards checking accounts typically require 10-12 monthly transactions to earn decent interest. Often I see that they require these transactions to be "PIN-less". I neither understand exactly what ...
3
votes
3answers
865 views

Are debit cards and “open loop” gift cards accepted everywhere that credit cards are?

In U.S., a debit card or an "open loop" gift card will normally have a Visa or MasterCard logo on it, and the card can be used in "credit" mode. Does that mean that such a debit card or gift card can ...
4
votes
2answers
761 views

How quickly are the funds from a bank deposit available via my debit card or a check?

I deposited a cashier's check into my account at 8AM, the account had nearly nothing in it. If I were to use the "credit" option on my debit card at the grocery store would I overdraw my account? Do ...
3
votes
3answers
324 views

Debit card for minor (< 8 y.o.)

I have a child who has expressed interest in using a debit card. He knows about money, can count coins and banknotes, and really wants to have a debit card. I want to use this as a learning experience ...
0
votes
2answers
251 views

A way to store money in something like a credit card without my name on it? [closed]

I need to travel abroad, and one of the ways I thought I could easily take money without it being in a form of cash is to buy something. Gift cards obviously is a bad idea - it's limited amount ($100 ...
3
votes
1answer
352 views

What are the pros and cons of using the cash back option at the grocery store register?

I am new to the US. Whenever I make a payment at a grocery store like sunucks, or walmart, etc. on payment terminal, they offer me cash back. I usually decline. I just wanted to know what are the ...
-1
votes
3answers
1k views

Transferring balance to a debit card

I often receive credit card offers in the mail with very attractive balance transfer options. I wonder what will happen if apply to a a credit card and try to transfer a balance to a debit card. ...
0
votes
0answers
78 views

debit/prepaid card in NOK

From time to time I travel around the world and was wondering how can I reduce costs when paying by card. Sometimes this may be acceptable if you have a good card in USD/EUR, but sometimes even that ...
7
votes
1answer
1k views

Should I use my credit or debit card when purchasing groceries?

When I go grocery shopping, I almost always purchase enough to warrant using a card rather than cash. I used to use my debit card for these transactions, but twice in the past (each incident about ...
4
votes
4answers
333 views

The hotel manager took a photo copy of my debit card. Do I have a reason to be worried?

Last week I visited Turkey. I came to a hotel my traveling agent has reserved a month before, but the reception officer didn't let me in because he said my voucher was cancelled. After an hour of ...
1
vote
0answers
304 views

Money not taken from bank account after large purchase [closed]

I made a large purchase on a Friday evening using my check/debit card as a credit transaction. The transaction was initially declined by my bank as unusual activity. On the spot I called my bank and ...
2
votes
1answer
96 views

Travelling abroad: is EUR or USD card better?

I live in Poland. Recently, banks have raised fees for card payments in foreign currency. I've heard that a good way to go around it is to buy USD and pay using it (except for eurozone and UK). But ...
1
vote
1answer
79 views

What to do of a reward card after it is empty?

Recently I enrolled in a no cost trial offer with a company. For that they sent me a $10 reward card. I used it up for buying groceries. Is the reward card useful anymore? Or should I just cut it up ...
1
vote
3answers
295 views

Is it safe to scan debit card's front and back side for my broker?

To make a deposit, my broker, regulated by EU and established, asks me to provide the scans of the front and back side of the debit card. "Name, expiration date and the first and last four digits of ...
1
vote
1answer
137 views

Make Visa, hybrid debit/credit card default to credit mode?

I have a Visa, "hybrid" debit/credit card. Is there a way to make it act as a credit card by default so I don't have to hit "cancel" or "ok" when checking out, just to get it to use credit mode?
5
votes
4answers
762 views

How do I protect my credit/debit cards from being stolen or scanned?

Until a few years ago my credit card number had only been stolen once, about 15 years ago. But in the last two years it has been stolen four times. The first recent time was a few years ago in Hawaii, ...
1
vote
4answers
448 views

Should I get a credit card if I already have a debit card?

I'm sorry if this question seems a duplicate of another (likely this), but my situation is actually a little different. My situation is that, I have a debit card from a bank I find convenient but ...
1
vote
1answer
167 views

Automating high- bank or credit union requirements (e.g. X debit card transactions per month)

Banks (and credit unions, etc.) that offer high interest typically require the customer to take some kind of action every month, such as performing 10 debit card purchases. I'm wondering if people ...
1
vote
2answers
234 views

Why are rewards for credit cards so much better than debit cards?

My understanding is credit card companies make money based on a transaction cost, which presumably is the same for credit/debit. I can't really find information on this, so it might be a faulty ...
2
votes
1answer
361 views

Debit card has stopped working while traveling, and my bank says there's no problem

I'm in Portugal at the moment, and my debit card (from a US bank) stopped working. Every ATM I have tried in the city (at least 8) says "Try another location" since Sunday, and purchases all result in ...
6
votes
2answers
4k views

Why do credit card transactions take up to 3 days to appear, yet debit transactions are instant?

I noticed that when I use my credit card it takes up to 3 business days (even 5 days including weekends if I use it on a Thursday, I have to wait until Monday or Tuesday) for the transaction to appear ...
0
votes
3answers
185 views

When to use visa debit /MC debit

When I open up a regular checking account, I get an ATM/DEBIT card? So what exactly are the pros/cons of using a Visa/MC Debit card over the debit card provided by my bank?
3
votes
1answer
1k views

why will charges disappear from my debit card then reappear

I have made a few large purchases (ex: computer, flight tickets) in the past with my debit card, and for the most part the charges go onto my card and that's the end of it; other times I will see the ...
4
votes
7answers
2k views

Digital envelope system: a modern take [closed]

Is anyone successfully using a digital form of the "envelope system"? I have some of the pieces, but have not figure out a complete process to automate. I am thinking of using a pre-paid debit cards ...
7
votes
2answers
401 views

How can a school club collect money using credit cards?

tl;dr- How can we legally accept credit cards (to our club bank account) without being able to become a legal entity? I'm an officer an officially-recognized student-run club at my university. I'd ...
5
votes
1answer
130 views

Long card payment delay caused loss on exchange rate

While travelling two months ago I made a purchase in a store abroad with a card, everything went smoothly. Today I received a call from my bank saying that only yesterday the transaction went through ...
1
vote
2answers
152 views

Paying with a debit card

How exactly do I pay with a debit card from my bank? My mom told me that I should never have to enter my pin when using debit card, but I did today at WalMart. Did I screw up? Is there any general ...
-1
votes
1answer
493 views

Money blocked on debitcard by PayPal

I bought some airline tickets using paypal (I have a debitcard associated to this account) and it seems that paypal debited the ticket price once and then also blocked the same amount on the card. ...
3
votes
4answers
533 views

Why do the banks charge a foreign transaction fee?

Could somebody please explain why some banks charge a fee for card transactions made in a foreign currency? For example, for a debit card transaction, as far as I know, the exchange from the foreign ...
9
votes
4answers
576 views

Why the different fees for credit and debit card payments?

Could somebody explain why the merchants are charged different fees when the customers use credit and debit cards?
2
votes
1answer
1k views

Is it possible to get a debit card for a non-US-citizen nephew without foreign transaction fees?

Here is my predicament: I am a US citizen, and I have a nephew in Russia, who is not a US citizen, and whom I would like to support financially. I have easily been able to make him an associated user ...
4
votes
1answer
1k views

Will moving significant amount of cash by using debit card cause problems in the USA?

Let's say I'm withdrawing money from my debit card(issued by bank from my country) and depositing them in the US bank account. Will it cause some kind of problems? The total amount is a bit below ...
5
votes
1answer
325 views

Do US ATMs need magnetic stripes?

German banks (credit unions) are starting to issue ATM cards that have only a chip, no magnetic stripes (German language news article). Can such a card currently (May 2014) be used in US ATM machines ...