For questions related to Card settlement "Visa" company. If the questions are not specific then the tags Credit-card should be used.

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4
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3answers
69 views

Is there a Canadian credit card which shows holds?

It is really frustrating not being able to run a tight ship with my money. Neither CIBC nor TD shows them immediately. It is certainly possible because I ran across a Visa gift card which showed them. ...
1
vote
1answer
173 views

Is there any reason to prefer Visa or Mastercard?

My Italian bank, Fineco, offers me Visa or MasterCard credit cards at (apparently) the exact same conditions. IIRC when I first requested it a few years ago, it was just a checkbox in the contract ...
5
votes
2answers
548 views

Are all VISA cards connected with bank accounts?

I know that this is a question about fundamentals, but I couldn't find any explanation out there. I'm a bit lost in the world of credit cards. I got used to cards that are issued by a bank for getting ...
0
votes
3answers
137 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
2answers
215 views

Using services from both mastercard and visa

Could be a silly question. I do know many software companies that prevent / have a write up on how the clients cannot use a competitor product for a specific time/ duration after they stop using their ...
1
vote
2answers
105 views

How to safely pay with VISA online

Usually I can get away with PayPal for online purchases, but sometimes I come across a website that only accepts VISA card. I refuse to use my VISA card, as my account contains all of my money, and ...
5
votes
1answer
83 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 ...
2
votes
1answer
62 views

Which card data online merchant can store and what can he do with it?

I see that to perform on-line transaction with credit (or debit) card you usually need 3 pieces of information Card number Expiration date Security code Some merchants offer option to store ...
0
votes
1answer
113 views

How can I know the minimum due credit card payment and date for an ANZ Visa card?

I have a Visa credit card from the ANZ bank in Australia. I'm currently overseas so cannot visit a branch and would like to avoid international phonecalls so I'm using only Internet banking and email. ...
3
votes
1answer
177 views

MasterCard/Visa: For my second card should I stay with the same network?

I have a card in a country, and want to create another card in another country for convenience reasons. Let's say the terms of both networks are very similar for me, so I have no special reason to ...
3
votes
3answers
1k views

Who performs the blocking on a Visa card?

I recently tried to pay for a train ticket online with my Visa debit card. However the payment got refused, but the price of the ticket is being blocked on my card. I contacted the train company to ...
0
votes
2answers
108 views

Validity of Visa Electron abroad

I have a Visa Electron card: debit, non-embossed, French, being a "REALYS" and "CB" as well. I would like to ask what is the validity of such card abroad in cash machines (namely in the Czech ...
4
votes
1answer
114 views

Is it true Visa & Mastercard can choose a more beneficial date (for them) for the exchange rate on a foreign transaction?

Whenever I pay abroad (or online) with my debit card, the amount charged is in a currency other than my card's own. I am aware Visa/Mastercard charge for a foreign currency conversion. I heard a ...
3
votes
2answers
116 views

How is income earned on a J1 student visa taxed?

So I am an Irish J1 student doing an internship in Minnesota and have been since july 5th of this year. I have been getting paid a monthly paycheck of $2,000 for the 6 months I have been here and thus ...
3
votes
1answer
241 views

Is it legal for a hostel to write down my debit card information for security purposes?

I just moved to Manchester and I'm staying at a hostel. I booked a bed online via hostelworld.com. What bothers me is that a receptionist asked me to give her my debit card in order to ensure some ...
2
votes
1answer
280 views

New payWave debit card vs PIN

My bank in Australia (SuncorpMetway) just issued me a new payWave Debit card (VISA) to replace my old/expiring savings account card. My old card required a PIN for any withdrawal or purchase. I ...
5
votes
2answers
760 views

If a company in China says it accepts Visa, does it accept all Visas?

I am doing some finance research for payment methods in China, there is some confusion as to whether only certain types of Visa Credit Cards are accepted at businesses versus all Visas... Is this the ...
1
vote
2answers
3k views

U.S. VISA gift cards and usage in Europe; technical and/or legislative insight?

Can you use any U.S. gift card anywhere in the world to pay at a counter with a VISA logo? I read on some web sites that U.S. gift cards don't work in Europe, but no reason was given, others were ...
2
votes
3answers
2k views

Is it safe to put pin of debit card in worldpay?

I am buying from proxybonanza.com that accept worldpay. Then I go to this screen: Looks like they managed to figure out that the bank is USbank without me having to tell them. In fact, they know ...
10
votes
4answers
5k views

How are Visa payWave and MasterCard PayPass protected against unauthorized use?

Visa payWave and MasterCard PayPass have similar description - the card is equipped with antenna that it uses to talk to the terminal. For small purchases (something like less that $50) the ...
4
votes
4answers
4k views

In what countries can credit card merchants use address verification?

Usually when you pay with a Visa or MasterCard online you have to provide a billing address. Many online shops, especially from the United States, will only send purchases to the cardholders billing ...
5
votes
3answers
212 views

How do I remember to use Visa Signature benefits, such as extended warranty on purchases?

My bank has upgraded my credit card to a Visa Signature card, which comes with benefits such as Warranty Manager Service (up to one additional year of warranty), Purchase Security (reimbursement for ...
19
votes
3answers
2k views

Is there any inherent difference between Visa and Mastercard credit cards?

Are there any inherent differences between a Visa credit card and a Mastercard credit card? Obviously, there can be huge differences between one Visa card and another. And between one Mastercard and ...
5
votes
3answers
2k 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 ...
6
votes
1answer
4k views

Can I transfer money from my prepaid Visa gift card to my debit card?

I bought a prepaid Visa gift card to add money on my phone account. It turns out I can't do this because the gift card can not be processed by my phone company because the card does not have my ...
17
votes
4answers
10k views

Why are American Express cards are not as popular as Visa or MasterCard?

For me, AMEX is a preferred choice because I can earn more treat points. But I found that (at least in Malaysia), a lot of merchants are rejecting AMEX card in favor of Visa or MasterCard. Why?
3
votes
1answer
711 views

Credit card changed by card company: Why is Citi changing my Visa dividend platinum select card to dividend world Mastercard?

My citi divident platinum select card is being replaced with citi dividend world mastercard. I don't quite understand their explanation. But what are the changes on the benefits? why change from ...