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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2 votes
8 answers
4k views

How can I get the same protection shopping with a credit card, without using a credit card?

Following the advice of Dave Ramsey, I'm getting rid of my credit cards. The problem is, the alternatives don't seem safe. There are people who stand around the cash machines watching people take out ...
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0 votes
1 answer
205 views

Does debit card fraud indicate that I did something wrong?

I'm quite careful with my debit card; I don't enter it on non-trustworthy sites. I just had a fraudulent transaction, so I'll need to get a new card. When I get the new card, do I need to be more ...
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0 votes
1 answer
200 views

Social implications of using a prepaid card only instead of a bank card?

Many times one is asked to give an account transaction list in pdf (what are they called??) Perhaps when buying a house or starting a new job. I'd like to use a prepaid card account that accepts wire ...
14 votes
3 answers
4k views

Why are reserved amounts necessary when using debit cards?

When purchasing using a debit card the almost universal process is for the bank to reserve the needed amount first and only later the actual money will be deducted from your account, later can be ...
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3 votes
2 answers
277 views

When I'm paying by contactless card, is the cashier obliged to show me the terminal screen?

When I'm paying by contactless debit card, I want to be sure that the cashier didn't make a mistake when inputting the amount to be paid in the terminal. Thus, I almost always ask them to show me the ...
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0 votes
1 answer
169 views

Why would a credit card company reject a transaction for suspected fraud, but not contact me?

My bank offers a debit card, which I can use to perform online purchases. Recently, I tried to purchase clothing online, but the card was declined. I was certain that I had enough funds on the card, ...
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3 votes
1 answer
378 views

Are online purchases using PayPal safer than using a debit card?

I have a PayPal account that is linked to my Mastercard debit card, which is linked to my bank account. I usually make online payments using PayPal instead of directly using the debit card. PayPal ...
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0 votes
1 answer
200 views

Credit card vs debit card for car rent

I want to rent a car in Europe and one of the requirement is to have credit card where they will block some deposit. It's higlighted that it should be credit card not debit. I have only debit card and ...
0 votes
1 answer
150 views

Does a Debit/ATM card contain the name of the account owner?

Does a bank or ATM have access to the identity of the person withdrawing cash through a Debit/ATM card issued by another bank as part of the transaction ?
0 votes
0 answers
100 views

Does a payment receiver get a full name of a cardholder when I pay with a credit card?

What information about a cardholder does a payment receiver get when paid with credit card via direct transfer. Examples: Spotify, Netflix, etc... How's all buying digital goods process released?
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0 votes
2 answers
62 views

How to make sure that online/ATM/POS card payments always use one currency?

Anonymous payments through Paypal, ATMs, POS machines constantly offer me alternative currencies for my MasterCard or VISA. For example, Paypal will just bill me in the alternative currency even if I ...
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8 votes
5 answers
6k views

Is there a way to bypass POS Credit Card processing fees?

Summary: If you have a shop and you accept Credit/Debit cards like Visa, Mastercard, Maestro, American Express, etc., you have to pay a fee. Is there any way to keep accepting those cards without ...
0 votes
1 answer
295 views

How does the rental company charge an empty debit/credit card with €0 credit limit? (Transferwise)

Can anyone help me to figure out which way a rental company uses to bypass the credit/debit card limits up to several thousand of euros. It happened the first time around 5 days after returning a ...
1 vote
2 answers
224 views

What sort of pen is best suited to sign the back of a credit/debit card?

I have 3 payment cards: 2 debit cards with different banks to spread risks, and 1 credit card. I have been using them all for months if not years by now at various places both offline and online ...
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1 vote
1 answer
341 views

Someone tries to use cancelled card

In the UK, a debit card is stolen and the card's owner cancels the card. The thief tries to use the card for a contactless payment, but it is declined. Would the bank have a record of this? Would ...
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41 votes
4 answers
8k views

Why do VISA "Electron" and Master Card "Maestro" cards have special limitations in when they technically work?

Translated by me to English from Swedish, from VikingLine.se: We welcome payments onboard with the following cards: American Express, Diners Club, Eurocard, Finnish bank cards, Master Card, VISA. ...
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2 votes
1 answer
134 views

Money deducted for pre authorization hold

I was in a hotel recently and they did a pre-authorization hold on the debit card. It was initially shown as real charge in my banking app, the hotel staff told me to not worry it's just a pre ...
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0 votes
2 answers
173 views

Is it safe to use my debit card for autopay/online shopping?

I have a prepaid AT&T mobile number and want to use it's autopay option. But as I read and heard bad things about using debit card in online shopping, I don't know can I use my debit card or not? (...
0 votes
2 answers
183 views

Is it safe to have a debit card and credit card on the same bank?

In the scenario of a dispute with a charge on your credit card, if worse comes to worse - can the bank pull funds from your debit card? (In the case of US and Philippine banks). Asking this because I ...
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2 votes
1 answer
163 views

Best way to trace possible root cause of card fraud?

I recently had a fraudulent transaction on my debit card (in the UK, where I am based). Having blocked the card, my main concern is to determine how much information has been stolen and how? As this ...
1 vote
5 answers
279 views

Why do some banks charge a fee for a low account balance?

I'm learning in economics that if your balance gets too low, you have to pay a fee. Why is this? Is it to help support the bank, or as a punishment? Or is it both?
2 votes
4 answers
367 views

Can someone clear your bank account if they have your name, expiry date, and 16 digit card number but don't have the CVC?

As the title says, I am wondering if someone finds out the details on the front of your card can they commit online fraud with it or is the CVC and OTP providing enough security.
0 votes
0 answers
39 views

is it easier to rent a car with a secured credit card over a debit card?

I've been denied car rentals using debit cards in the past, even with thousands of dollars on the card. I'm going to Hawaii as well as Tennessee this year, and will need a car. Would my odds increase ...
0 votes
4 answers
265 views

What would most likely happen if you owed money to a business upon completion of a service but realised that you don't have a way to pay?

I came pretty near this situation, but luckily I had an extra debit card (although I would've preferred to use my credit card). I was at a vet to prepare my pet for a surgical procedure, and they ...
4 votes
3 answers
502 views

Do card bonuses lead to increased discretionary spending compared to more basic cards?

Some credit cards offer bonuses on spending in particular categories, such as cashback bonuses or "free" upgrades. These credit cards tend to come with an annual fee. A consumer may ...
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28 votes
3 answers
8k views

How should I handle money returned for a product that I did not return?

I purchased a laptop online through the official website, my card was charged immediately after I made payment. The item arrived around two weeks after that. I checked my banking app and discovered ...
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1 vote
1 answer
77 views

Should I use a Apple Card or any credit card recommendations? [closed]

I heard about a Apple card, which has no fees about of any kind. But however, I just want just a plain simple credit card that I can just buy it now and pay the next day or two. Simple as that. Not ...
1 vote
1 answer
2k views

Using Indian debit cards in Nepal

Can I use my Indian debit cards in Nepal to withdraw cash from ATMs? In particular, I have an AXIS bank debit card. Can I use it freely for making payments as well as for withdrawing cash from ATMs in ...
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0 votes
1 answer
167 views

Tour operator asks for undue money

Some time ago I purchased a trip from a leading tour operator in Germany (I’m resident of a close-by country). They asked me to provide them with a credit/debit card details so they can collect €1000 ...
1 vote
1 answer
3k views

I have two debit cards for same account with different limits can I use two cards for maximum withdrawal?

I got State Bank of India Classic debit card with a daily ATM transaction limit of 20,000 INR per Day, and also got State Bank of India International Visa card with Daily ATM limit of Transaction 40,...
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-2 votes
2 answers
554 views

A man asked for my username, password, account number and routing number. Do I need to be worried? [closed]

A man wants to transfer money to my Green Dot debit card. He asked for my username, password, account number and routing number. However, there is no money in the account. Should I still be worried?
4 votes
4 answers
1k views

Does a physical POS terminal expose my full bank card number to the merchant?

In theory, POS terminal communicates directly with the acquiring bank and has no need to tell the merchant my bank card number, cardholder name or any other details. The paper receipt I get contains ...
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1 vote
1 answer
143 views

Can you credit a card (e.g. prepaid gift or debit) that blacklists certain companies?

Various business, social and political groups want to boycott companies, but the list of companies they’re boycotting can become large (hard to remember), and breaking their own boycott can also be ...
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2 votes
1 answer
402 views

Reason for a 1p pre-authorisation charge for a car park

Pretty much what the title says. I understand the need use for a pre-authorisation charge for certain services where a service or product is given before it is actually paid for (some hotels where you ...
1 vote
1 answer
123 views

What type of payment processing withdraws money from bank account whether the account has the funds or not?

Im trying to understand the terminology involved in this process. The situation im referring to is this: Some companies will charge cards, and take the money out of the account, whether your account ...
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31 votes
9 answers
12k views

Email asking for CVV, two days after I make a purchase?

Two nights ago I made a purchase from a website, and it didn’t ask for my CVV. Now, I woke up to an email asking for it. It hasn’t gone through my account yet. Is this as shady as I’m making it out to ...
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11 votes
2 answers
549 views

Detected fraudulent charges to my account but I cannot close the card until another payment goes through

Today I detected two charges to my card, both on the same day. I called my bank (chase) but the only solution offered was to block and close the card. However, I am currently doing some processes ...
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0 votes
2 answers
174 views

Can I reverse a payment and re-pay with a different debit/credit card?

Generally speaking regarding most major merchants. I accidentally paid for something at a grocery store using a card I did not intend to use. Would it be reasonable to return to the store with the ...
4 votes
1 answer
7k views

Refund to Different Payment Card in UK

I'm in the UK. I bought something online from Debenhams, and want to return it -- it is within the return period; no problems there. However, I no longer use the card that it was bought on. Is the ...
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0 votes
1 answer
155 views

Can you charge a customer $20 by debit and give them a $20 bill instead of having a debit machine that can do cashback? [closed]

If a customer wants cash to use our services but only has their debit card on them are you allowed to charge them $20 And give them a $20 bill back? Why do we specifically have to have a cash back ...
3 votes
2 answers
132 views

Blocking subscription autopay

I hastily signed up for a monthly subscription of Intelligence Squared since I saw that they offer free trial for a month. What I didn't realize was that you can cancel your subscription only after ...
41 votes
13 answers
11k views

How can a client pay me for freelance work if I don't want him to know my name and he is uncomfortable using bitcoin?

I've been contacted on a specialized Internet forum and offered a well-paid one-off job to translate a highly specialized text, and I'm happy to accept the offer, but there's a problem: I have always ...
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-4 votes
3 answers
759 views

How can I get a limit over $10,000 for my debit card?

I have a Mastercard debit card from my bank and they tell me the maximum limit they can put on the card is $10,000. They said if I want a card that goes higher than this, then I have to use a credit ...
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1 vote
1 answer
101 views

Why would a bank no longer offer cards linked to multiple accounts?

I have a card from my (Australian) bank which is linked to both my credit card account and my day-to-day savings account. When I use it in an ATM, I select which account I want to transact upon. It ...
3 votes
1 answer
119 views

What to do with the remaining balance in a prepaid debit card? [duplicate]

If I have a $20 MasterCard prepaid debit card, and I use it to buy a $19.99 item, the card will have $0.01 left. What can I do with the remaining balance? Can I transfer it to my bank account? Can I ...
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-3 votes
3 answers
207 views

Why are debit cards treated as a second-tier pay card (at best) whereas credit cards are first-tier?

I have a debit card, meaning I am 100% guaranteed to actually have the money or I can't use the card to pay for the transaction. It will refuse, even if it's just 1 cent over the amount I currently ...
1 vote
1 answer
1k views

Charged twice for online purchase

I ordered some parts online on Saturday. My Debit card was immediately charged $200 for the purchase. The merchant began processing the order on Monday and charged my card again for the same amount, ...
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0 votes
0 answers
76 views

Online Store is authorised but did not take the funds yet (initially deduced and then returned to my bank account)

Recently, I've done an online shopping for (~240 GBP) using my debit card (british bank). I have seen that the money has been initially deduced from my bank account, which I assumed was all fine, ...
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18 votes
2 answers
5k views

How can a debit/credit card PIN be updated remotely?

Certain banks (like Capital One or NAB) offer to change a debit/credit card PIN remotely, from an app or the bank's website. However, it seems to me that the PIN is also stored on the chip of the ...
21 votes
9 answers
6k views

What are credit cards, debit cards, and other types of cards?

This question right here and the plethora of comments in it reminded me of something that I've found annoying for a long, long time. Seems that depending on where you come from the terms "credit card" ...
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