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.
5
votes
3answers
105 views
How to use debit card with money on savings account?
I see that a lot of banks offer savings account and current account with online banking. Usually the savings account can have instant access and some interest rate, while the current account has no ...
1
vote
2answers
182 views
What is the average value of a credit card or debit card transaction?
There are a plethora of statistics regarding credit card usage but what I can't seem to find is the the value of the average credit card (or debit card) transaction.
Are such statistics provided by ...
-1
votes
1answer
108 views
Is it possible to withdraw Liberty Reserve USD using debit cards?
Is it possible to withdraw Liberty Reserve USD using debit cards? I found this site which offers such thing as Liberty Reserve debit cards. But I'm not sure how reliable it is. The debit card they ...
8
votes
5answers
288 views
What's the difference when asked for “debit or credit” by a store when using credit and debit cards?
When purchasing something in a store with a credit card or a debit card, the cashier may ask "credit or debit"?
I was wondering what the point is using a credit card in a "debit" way? How is it ...
2
votes
2answers
2k views
Why is there a delay on credit card transactions showing up on my online statement?
If I make a purchase with my credit card there is a delay of a few days before it shows up on my online statement.
If I make a purchase with my debit card it usually is displayed that day.
Why the ...
2
votes
2answers
480 views
How much interest will I pay on my credit card?
I'm about to move to the US and I'm wondering: say I always keep an active balance and never overdraw/accumulate debt, will I still pay interest on my monthly expenses paid via credit card?
For ...
2
votes
1answer
541 views
If a deposit of $1200 is being processed but hasn't yet been cleared, then can I immediately use that money to pay with my debit card?
For the record, I use Bank of America. I have a $1200 deposit (from the account of my parents) that's being processed, but that's still waiting to be cleared. The available balance adds it in though. ...
3
votes
3answers
283 views
How long should I keep an uncleared transaction in my checkbook?
About three months ago I went out to eat and paid for the meal with a combination of a gift card and my debit card, afterwards the portion that was paid via debit card was recorded properly and since ...
2
votes
2answers
270 views
When is a good time for me to change the billing address of my debit card?
So I'll most likely move from Washington to Rhode Island over the summer, and I'd like to change the billing address of my Bank of America debit card sooner rather than later since I have to pay sales ...
2
votes
2answers
76 views
What is a good credit or debit card that offers a reward with each transaction in the US?
I am looking for a rewards card (credit or debit) where you can earn some number of cents (I've seen 10 or 20) per purchase that you charge to the card regardless of the amount.
Something similar to ...
3
votes
1answer
203 views
Why should I cut up debit cards that are no longer usable? [duplicate]
Possible Duplicate:
What to do with expired cards (credit, debit, insurance cards, …)
I just cancelled my Chase Debit Card account, and the person advised me to cut up my old debit ...
2
votes
1answer
58 views
Where to get prepaid stored value cards capable of having higher limits (e.g. $10,000)?
When I was drafting consumer protection guidelines for stored value cards, I heard there were cards that stored balances as high as $10,000.
Yet, when I go to convenience stores, I only see stored ...
0
votes
2answers
178 views
How do debit card interchange fees work cross-border?
In some countries (for example US, UK), only credit cards have a hefty percentage (usually around 2%) interchange fee, while debit cards have only a small fixed fee for each transaction.
But in other ...
8
votes
3answers
786 views
What to do with expired cards (credit, debit, insurance cards, …)
I wonder if it is safe to throw away expired cards (credit cards, debit cards, health insurance cards) with name and card/account/ID number as trash. Even if other people have them, will they be able ...
2
votes
3answers
116 views
Advantage of credit union or local community bank over larger nationwide banks such as BOA, Chase, etc.?
With the recent news that many banks are going to start charging from debit card use, I was thinking of switching to a credit union or local community bank because I heard they would most likely not ...
8
votes
9answers
889 views
Is it bad etiquette to use a credit or debit card to pay for single figure amounts at the POS
This question might be subjective, but I would like to listen to opinions, if possible.
Ever since I got mugged on campus, I only carry enough cash to pay for bus travel.
All other payments are made ...
10
votes
3answers
474 views
When paying with card abroad is it best to pay in local or home currency?
Often when paying for something abroad using a credit or debit card I'm given the choice to pay in my home currency (GBP) or in the local currency (e.g. I'm on holiday in Thailand so THB). Which ...
1
vote
2answers
216 views
How easy is it to change my debit card signature?
Would I have to change it through the government first? And through every other service that requires my signature? Would it cost significant amounts of money?
8
votes
5answers
510 views
Is there a fee if you used your debit card as credit card?
Is there a fee if you used your debit card as credit card?
I see people recommending to always run debit card transactions as credit.
There is a similar question here as well: What does it mean to ...
2
votes
3answers
254 views
Are there any banks that still offer a PIN-only debit card?
I recently had my debit card skimmed and about $300 in fradulent transactions emptied from my checking account. Eventually I will get the money back (10 days? 30 days? we'll see), but I couldn't help ...
27
votes
5answers
2k views
Pay online: credit card or debit card?
I have a credit card and a debit card. I could use both to pay online. Credit card is only a bit less convenient since I have to transfer the money back in the credit card account later.
Is it safer ...
3
votes
1answer
154 views
Do any banks in China offer Visa/Mastercard cards which are not credit cards?
I want to have a Chinese bank account and a card that I can use for online shopping (both on Chinese sites and abroad) and I can also use outside China for ATM withdrawal and POS shopping.
Most ...
5
votes
3answers
658 views
Choosing debit card: MasterCard Debit or Visa Electron?
What to take into account when choosing debit card for my personal account, between MasterCard Debit and Visa Electron?
Should I take into account for example possible international travel (EU vs ...
2
votes
2answers
209 views
Is there a debit card that earns miles (1 mile per $1 spent) and doesn't have an annual fee?
I use Bank of America and they offer debit cards on US Airways and Alaska Airlines, but I earn 1 mile for every $2. Plus, I pay an annual fee. I would love to switch banks and use a bank that offers ...
5
votes
3answers
786 views
Best bank for withdrawing cash when traveling outside the U.S.?
When I travel abroad (outside the US), it can get pricey to transfer money. I usually withdraw cash using my bank's debit card, but they charge a transaction fee and a percentage fee, I believe.
For ...
13
votes
4answers
2k views
What does it mean to run my debit card as credit?
I've been advised to (and have been) running my normal debit card transactions as "credit" transactions. What does this mean in terms of my security, the time a charge takes to settle, and the fees ...
1
vote
3answers
152 views
No-line-of-credit debit card?
Are there any "devices" that can be used to make on-line purchases like a credit or debit card but which will never have an attached line of credit? In particular what I want is a card that, when the ...
8
votes
5answers
697 views
Emptying Low Balance Gift Cards
I often get gift cards (sort of like a debit card) and I usually end up using them to make online purchases. However, I often end up with a couple dollars change. Is there a way to deposit the ...
3
votes
5answers
260 views
Are cashiers required to check a credit card for a signature in the U.S.?
So on the back of many US credit and debit cards, there is a signature area that says something like "not valid unless signed." I notice many retailers and anyone who takes cards rarely ever checks ...
4
votes
7answers
292 views
Debit cards as bad as credit cards?
I have been saving for some time now with the aim of building up enough money to begin investment. But the problem is I keep withdrawing money with my debit card whenever i want to buy something. ...
5
votes
6answers
392 views
Why does my (bank) card constantly fail to work in stores/machines?
Today I filled up at the petrol station, went to pay and my debit card would not work in the payment device, this is the third time this year it has happened.
I've had several cards, and tried ...
3
votes
1answer
115 views
What do new Overdraft rules for U.S. banks mean for transactions, when they go into effect July 1, 2010?
The rules will affect ATM withdrawals and debit card transactions, and are meant to protect consumers with an opt-in option. What does this mean?
5
votes
2answers
182 views
Which EU or Turkish bank will issue a debit card to a non-resident from Ukraine?
I live in Ukraine and I want to get a debit card in any other country, preferably in EU or Turkey.
Please advice a bank which can issue this kind of card (debit card) for me.
