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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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-3 votes
3 answers
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Is there a downside to always blocking further payments to vendors?

One hears about situations where someone legitimately pays using a payment card, but further charges are made unexpectedly. Examples include additional charges determined by the company without ...
User65535's user avatar
  • 480
-1 votes
2 answers
73 views

Billing address not matching the address which the bank has on record

This is related to the comment Is billing address required for debit card payments in the UK? I have paid online countless times by indicating billing addresses which don't match the one on record at ...
user avatar
1 vote
2 answers
109 views

Is billing address required for debit card payments in the UK?

I'm using a paper payment slip to pay something in GBP in the UK with an EU debit card registered at an EU address. The form was also designed for people who might pay with credit card. There's a ...
user avatar
0 votes
1 answer
210 views

Where does money come from when adding to apple account?

not super sure if this is the right place to ask the question, but I recently added $1 to my apple account balance as a test. I originally thought nothing would happen, or it would tell me something ...
user131436's user avatar
0 votes
1 answer
226 views

How can banks / apps accept debit cards without a fee?

I have searched on here and haven't found an answer yet. I'm curious why certain apps like CashApp can accept a debit card with no fee to the user. Doesn't the bank need to pay the Discount Rate, or ...
Joe B's user avatar
  • 9
4 votes
2 answers
429 views

Is donating to charity by debit card better than by either check or credit card?

Many web sites say that is it better for a charity if you donate money to it by check or bank transfer than by credit card - at least for larger donations - because the former methods have lower ...
tparker's user avatar
  • 888
4 votes
2 answers
4k views

The last letter of my name is missing on my bank account information, should I keep trying to fix it?

I live in Mexico and I've got my first debit card. I have three names. In total (counting spaces) I need 21 characters to write them. After realizing that the last letter of my last name is missing in ...
Amelian's user avatar
  • 143
0 votes
2 answers
248 views

Is there a good solution to not paying extra charges when paying by payment card?

One hears about situations where someone legitimately pays using a payment card, but further charges are made unexpectedly. Examples include additional charges determined by the company without ...
User65535's user avatar
  • 480
8 votes
3 answers
5k views

Are contactless cards more secure than "insert required" cards?

I have been using my credit card in Asia. Vendors frequently commented that what I was doing was insecure because my card didn't require a PIN and was not contactless. I got a new card that is ...
Ken - Enough about Monica's user avatar
27 votes
2 answers
9k views

How does a scammer know the first 4 digits of my card number?

I had a series of attempted fraudulent payments on my debit card, my bank was very proactive and alerted me, and I have received a new card. However I had a call on the same day my new card arrived ...
Gazlad's user avatar
  • 371
15 votes
2 answers
7k views

What is this scam? Card CVV entered incorrectly too many times

I have a Visa debit card that I use mainly for travel (it has low FX fees). The other day I received loads of notifications from the corresponding app: 2 with 'The CVV was incorrect', followed by 4 ...
rinspy's user avatar
  • 271
3 votes
1 answer
389 views

Will you be charged any NSF fee for a declined online Debit MasterCard or Visa Debit transaction in Canada?

You open a chequing account with a Canadian bank: e.g. Simplii Financial or another bank. They ask if you want overdraft protection; you say "no thank you". They give you a Debit ...
unforgettableidSupportsMonica's user avatar
0 votes
0 answers
251 views

What personal information does North Lane have when providing a prepaid card for a Verizon refund?

Verizon sent me a refund in the form of a prepaid MasterCard/Debit card administered by North Lane. What personal information was provided to North Lane by Verizon to have this card sent? Is it some ...
aquaticapetheory's user avatar
5 votes
1 answer
460 views

Is a Visa Debit card handled like a Girocard in Germany?

Until recently, in Germany, Visa/Mastercard Debit cards were almost nonexistent. Bank accounts came with a Girocard with the Maestro system, and some people would additional have a creditcard from ...
gerrit's user avatar
  • 3,223
4 votes
2 answers
2k views

Can Visa, Mastercard... credit/debit cards be used to receive online payments?

If I open an online store and allow my buyers to pay by card, can I receive those payments on my own international credit/debit cards? Or are those cards only for spending? If this is possible, what ...
Willy's user avatar
  • 97
1 vote
1 answer
332 views

Why is my debit card still paying bills after the bank account has closed?

This is a weird situation: I used to have an account at Bank A. Then my balance at Bank A was very low (like a few hundred dollars) and I was not using it to receive paychecks. At some point Bank A ...
Kid_Learning_C's user avatar
0 votes
1 answer
8k views

If you get a new Debit card can you still be charged for recurring subscriptions?

I had a recurring Microsoft Office subscription of $123.17 CAD per year, but forgot the account associated with it. I contacted TD to lock my TD Access Card permanently and get a replacement card. But ...
user402525's user avatar
0 votes
2 answers
356 views

How do I spend this prepaid debt mastercard with one cent on it?

AT&T decided they owed me money after changing cell phone providers. They sent me a prepaid debt mastercard for what they felt they owed me in the amount of one cent. How can I spend this? I ...
rtaft's user avatar
  • 293
-5 votes
1 answer
130 views

Why are foreign transaction fees with debit cards often higher than foreign transaction fees with credit cards? [closed]

I read in this answer by Sneftel: Debit card foreign transaction fees are often higher than credit card fees. I've noticed that too with cards issued in the US. Why are foreign transaction fees with ...
Franck Dernoncourt's user avatar
6 votes
2 answers
1k views

Is currency conversion and foreign transaction fee inevitable when purchasing a service from a country different from a credit card company?

I purchased plane tickets at Kuwait Airways website, for a trip originated from US with a transition/overlay at Kuwait, by using Fidelity Rewards Credit Card, a credit card issued in US. My credit ...
Tim's user avatar
  • 5,883
2 votes
1 answer
295 views

Did MasterCard change the shape of their cards? Or is the shape chosen by the bank?

I read on npr.org that: Credit cards have a round notch; debit cards have a broad, square notch; and prepaid cards have a triangular notch, the company said. However, my Wise debit card (MasterCard) ...
Franck Dernoncourt's user avatar
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 ...
Village's user avatar
  • 2,813
0 votes
1 answer
251 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 ...
Someone's user avatar
  • 1,417
0 votes
1 answer
223 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 ...
Opening123's user avatar
14 votes
3 answers
5k 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 ...
Rsf's user avatar
  • 243
3 votes
2 answers
565 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 ...
musialmi's user avatar
  • 131
0 votes
1 answer
3k 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, ...
MechMK1's user avatar
  • 103
3 votes
1 answer
2k 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 ...
Flux's user avatar
  • 17.1k
1 vote
2 answers
372 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 ...
Andrew Sasha's user avatar
0 votes
1 answer
297 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 ?
user22331's user avatar
0 votes
0 answers
169 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?
Guest's user avatar
  • 9
0 votes
2 answers
77 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 ...
Looft's user avatar
  • 101
8 votes
5 answers
7k 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 ...
Francesco Mantovani's user avatar
0 votes
1 answer
2k 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 ...
user3606329's user avatar
1 vote
2 answers
986 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 ...
Nzall's user avatar
  • 231
1 vote
1 answer
710 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 ...
gnasher729's user avatar
  • 23.4k
42 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. ...
Reecie's user avatar
  • 421
2 votes
1 answer
431 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 ...
ptts's user avatar
  • 121
0 votes
2 answers
354 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? (...
user avatar
0 votes
2 answers
270 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 ...
avg9957's user avatar
  • 121
2 votes
1 answer
181 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 ...
ICapital's user avatar
1 vote
5 answers
569 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?
Joseph Casey's user avatar
2 votes
4 answers
1k 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.
Joe Donovan's user avatar
0 votes
0 answers
83 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 ...
Christa's user avatar
0 votes
4 answers
461 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 ...
HeavenlyHarmony's user avatar
4 votes
3 answers
521 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 ...
gerrit's user avatar
  • 3,223
28 votes
2 answers
9k 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 ...
kroent's user avatar
  • 381
1 vote
1 answer
86 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 ...
mikey186's user avatar
1 vote
2 answers
4k 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 ...
user2371765's user avatar
  • 1,084
0 votes
1 answer
185 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 ...
tourist's user avatar

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