Questions tagged [debit-card]

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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1answer
33 views

HSA debit overlaps PreAuthorization

I just checked my HSA account after using my debit card for a bi-annual dental cleaning, and the numbers weren't adding up for my expected balance. The debit card transaction is still pending, but the ...
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3answers
171 views

Dispute Of Unauthorized Transaction on CANCELLED card?

I have two questions regarding the dispute request of an unauthorized (fraudulent) transaction. If the answer depends on whether the card is credit or debit then kindly tell me. First question: The ...
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1answer
186 views

Refund on Debit Card

Using my debit card, my brother bought me an iPhone charger at Walgreens for 40 dollars. I immediately went back to the store and returned it with my debit card and handed back the receipt. When ...
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1answer
145 views

Unrecognized debit card charge

This monday i got an email from my bank saying that i have an unrecognized charge from my debit card. That is an old debit card( about a year and a half i no longer use), with no money in the account,...
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1answer
189 views

Can I get a confirmation that a pending card transaction details are real?

I'm going to make a deal over the Internet with a payment onto my Mastercard debit card (for providing some service online); a part of the payment will be done up front. I'll have a (not editable or ...
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4answers
182 views

received a credit to the card used to purchase a trip —how do I access that amount into my own checking account

I received a credit to a credit card account I used to purchase a airline ticket. Trip was cancelled and the refund went into that credit card account and there is a zero balance, but a $560 credit ...
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1answer
102 views

Should one keep expired debit/credit cards or at least their information in the United States?

Should one keep expired debit/credit cards or at least keep track of their information (e.g., card number, expiration date, card holder name on the card, issuance date, bank name, type of card) in the ...
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1answer
2k views

What does the ATM error message “085-CVR CHECK FAILED” mean?

Today when I tried to withdraw money from the ATM. My transaction was declined, I received this message The transaction dated 08-Jun-19 20:44:31 through card ending 7123 has been declined due to 085-...
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5answers
5k views

Using credit/debit card details vs swiping a card in a payment (credit card) terminal

I was given by a seller an option to come to their office and swipe my credit/debit card there in their payment terminal. Because it's a long way to get to their office, I asked the seller if he ...
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0answers
95 views

Paying by voice - what is its transaction type

When I purchase something through voice virtual assistant, for example order Pizza through my Echo-Alexa - is it written in card schemes (Visa/Mastercard) as a Card-Not-Present (CNP) transaction or it'...
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6answers
4k views

Is a debit card dangerous for an account with low balance and no overdraft protection?

I have a checking account that I keep very little money in. I use a debit card as a credit card at shops, and at the ATM. I have turned off overdraft protection on the checking account. I've heard ...
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2answers
132 views

Is it possible for a merchant to withdraw money from a debit card without knowing the PIN?

I am from India. Recently I went to a store and bought some goods. After I was handed my bill, I gave the cashier my debit card. I was busy on my phone and didn't give it much thought, and to my ...
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3answers
352 views

When do institutions exchange physical currency from electronic payments?

This question always been on my mind and I never truly understood the concept. I’ve done some digging and haven’t found the answer that is comprehensive. I want to understand at what point does a ...
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0answers
52 views

Is there an interchange fee for ATM withdraws? How does that compare to standrad Credit Card purchases

First, please note that I am not asking about how this impacts my personal finances. I would like to know the difference between fees going to VISA/MC and banks when using a debit card for ATM ...
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2answers
285 views

Why do people usually say credit card instead of saying credit or debit card?

For example, when I place an order on the phone or on a web site, they always say 'What is your credit card number?' It's like they assume I only have a credit card when in reality I have a debit card....
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2answers
42 views

When ANZ bank replaces a lost or damaged ATM card, will the new card be a duplicate or an entirely new card?

My bank here in Australia is currently ANZ bank. If I ask them to replace a damaged or lost card, will the new card be an exact duplicate or is a brand new card issues? Specifically, will the new ...
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3answers
154 views

The alternatives to checks, credit cards, and cash, for transactions

So personally I pretty much just use a credit/debit card for most purchases, but cash is not uncommon, and checks are often used for paying rent to landlords or some small businesses. Then there are ...
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0answers
66 views

Issue with Debit Card Payment But My Bank Says There's No Problem

I have had some curious but unpleasant experience with my debit card and want to know if someone's familiar with the problem. Basically, I got my VISA debit card from the UAE but lives in the US at ...
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2answers
865 views

How do Scammers Know What Bank I Use?

I got a letter today from "Credit Fraud Detection" in Ohio claiming that they have detected fraudulent activity on my account. They also tried to call my cellphone but I didn't answer. Since this isn'...
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1answer
243 views

Is there a credit card number range reserved for documentation or examples?

When generating fake United States credit card numbers, I know that any random number that passes the Luhn algorithm would work, but then I run the risk, even if small, of generating a CCN in current ...
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0answers
213 views

Why does Mastercard allow Santander (Germany) to issue a Maestro card with a revolving credit?

Maestro is a debit card product by Mastercard. So far I have only seen or heard of cards which are one of the following: Linked to a checking account at the same bank that issued the card Linked to ...
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2answers
135 views

Chances to get back money from a bankrupt company?

Recently, I bought a ticket through my debit card for an airlines that got bankrupt a few weeks later (Cobalt Air). Anyone with a similar experience and managed to get their money back? Or what are ...
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2answers
225 views

UK Issuing Bank blocked Debit Card. Said card was used fraudulently on ecommerce website. How can this happen?

I was using my UK bank account debit card in India, to buy few flight tickets for my inter city travel. Using my own laptop, in a co-working space. Website used : www.makemytrip.com -- is one of ...
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1answer
97 views

How to transfer money from debit card to debit card [closed]

So I want to transfer money on line from me debit card to my daughter on her debit card. And how do i do that
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2answers
350 views

What to do when I get charged 10 times more than usual on debit card at a grocery store? [closed]

I just noticed on my Wells Fargo account that I got charged $250 through my debit card for a recent transaction at a Publix in the U.S., and the amount charged is 10 times as high as the usual amount, ...
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1answer
98 views

How does a BIN database categorize cards as a combination of credit or debit and pre-paid?

On one of the BIN databases available on the internet upon will tell you whether the card is Credit or Debit and if it is a Prepaid card or not. So the possible combinations are: Credit Debit Credit ...
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3answers
353 views

Switching from debit cards to credit cards for incidentals

Right now my spouse and I are using debit cards, connected to checking accounts, for our "extras". There's never very much in either of the checking accounts. I wonder if we'll be more secure ...
3
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1answer
778 views

Why do most cards now (debit, credit) have both chip and magnetic strip? [duplicate]

Why did financial institutions added chip to credit, debit cards while they already had magnetic strip? Is there different kind of information stored on both and how is chip card with magnetic strip ...
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1answer
127 views

When can a personal maestro prepaid debit card process payments without the owner entering the PIN number?

My bank gave me a debit card I can use to run small errands, especially online. I recently started using it for paying also meals and/or drinks. I noticed that sometimes it is not necessary for the ...
9
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1answer
413 views

Card pre-authorization time limit

I've booked a hotel for a stay 8 months from now on a no-prepayment basis. As per usual, they pre-authorized my card; which makes me ask out of curiosity: Is there a time-limit to how much a vendor/...
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4answers
295 views

Am I hurting my credit in the long run by not using my card?

for starters, I'm a 23 year old in the USA. So when I lived at home, I took out a loan to buy a car, which my parents cosigned on, this was my primary credit-building exercise. I ended up paying that ...
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2answers
11k views

Risks of sending debit/credit cards via conventional mail

If a bank mails a credit/debit card in an envelope isn't there a risk that somewhere on its way the envelope will be scanned and the card number, expiration date and CVV code will be extracted? As ...
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2answers
1k views

Any way to get a debit card as a minor without parent consent?

Yes, this question has been asked before, but never really answered. Most questions involve a credit card, which in this case I'm asking about a debit card. Hi, I'm a 16 year old student facing some ...
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4answers
2k views

Do I need a debit card if I already have a credit card?

As far as I've read, a credit card is generally better than a debit card. (Please correct me if I'm wrong.) My question is should I also have a debit card? The downside is the added risk of the debit ...
5
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1answer
189 views

Using a Visa debit card to transfer money from the USA to Europe

I am exploring my options to transfer money from the US to Europe. While a provider like Transferwise looks like a good default option, wonder if there is anything wrong with simply using my US Visa ...
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2answers
781 views

Am I being scammed?

A friend of mine who recently got involved with some money hooked me up with a person and they asked for my debit card and account information. If you’re getting money transferred to you does that ...
4
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2answers
123 views

Can a transaction be void if the reader said it has been approved?

Yesterday I made an in-person payment using the contactless functionality of my debit card, the reader said that the payment was approved and the transaction was complete. The money from this ...
4
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1answer
209 views

Visa transaction happened only after 16 days after I made purchase

Visa transaction (money reduced from account) happened only after 16 days after I made purchase. 2017-10-01 Paid flight tickets. Money was deducted or reserved (haven't paid attention). When paid, I ...
28
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1answer
9k views

What are the limitations of use of “Electronic use only ” debit card

I have a visa electron debit card and there is "electronic use only" marked on it, so I don't know where or when I can't use my debit card ?
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1answer
334 views

Carrying a debit card for ATM withdrawals seems risky, what else can I do?

I have a debit card tied to my primary checking account with my primary bank, and I use it for ATM withdrawals. I think the insurance on this is dismal; if I lose my debit card I'm liable for my ...
9
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4answers
513 views

How to make it harder to access my money

I want to start being more sensible with my money, this is especially hard around payday when I receive a month's-worth of pay at once. It's all too easy to go for a couple beers after work only to ...
4
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1answer
269 views

Why do some stores have card-only self-checkouts?

In the UK self-checkouts in big stores (such as LIDL or ASDA) are very popular. Many of them are card-only. What is the benefit of providing such checkouts over cash-or-card checkouts? Paying with a ...
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1answer
30 views

Changing Mailing Adress

Do I have to wait 3-5 business days (how long it takes to update change of address) before I order a replacement debit card (I lost mine, and have recently moved but I just changed my address on my ...
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3answers
6k views

Can you withdraw or transfer money from a prepaid debit card?

My new employer is to give me my relocation money in form of a prepaid debit card that will be valid for one year. Can I withdraw all the money from the card at ATMs? Can I transfer the money from the ...
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2answers
237 views

How much risk is a debit card, if stolen?

I have a debit card that I share with my spouse. I keep just a small amount in the account linked to it. She was overcharged accidentally, and I noticed a negative balance on the card. I ...
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1answer
1k views

Why would a site such as Craigslist not accept pre-paid debit cards?

I tried to post a classified ad on Craigslist and found that they do not accept pre-paid debit cards. Why could that be?
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1answer
138 views

Virtual Terminal WITHOUT merchant account? [closed]

Is there any such thing as access to the credit/debit/prepaid cards (issued worldwide) online charging Virtual Terminal without having to be approved for merchant account? So without owning it. I ...
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2answers
377 views

Different card for each budget category

My wife and I are having trouble with the daily task of entering payments into our budget tracking system. Furthermore, we are never able to verify how well we're going against our actual bank ...
2
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4answers
7k views

Will my Indian debit card work in the U.S.?

I'll be soon moving to USA from India and I've decided not to get a credit card. Instead, I'll own a debit card. The thing is that in India, we do not often use cards and being honest, I've never ...
0
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1answer
59 views

How do forex card rate along with debit cards for international travel

I had asked this question yesterday, today while browsing came across this article. In it it talks about taking a forex card and hints about thomascook travel card. Now from what little I have read, ...