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
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2answers
261 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
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4answers
219 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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1answer
112 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 ...
2
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1answer
163 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
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1answer
70 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 ...
31
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9answers
11k 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 ...
8
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1answer
243 views

Detected fradulent 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 ...
0
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0answers
69 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
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1answer
90 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 ...
0
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1answer
126 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 ...
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1answer
119 views

Can debit cards be billed like credit cards?

In Amazon Web Services (AWS) if one provides the credit card ,that person is billed for the resources the person uses. However if the person registers with debit card will AWS be able to do so?
3
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2answers
118 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 ...
40
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13answers
9k 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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3answers
179 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 ...
1
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1answer
56 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
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1answer
92 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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3answers
180 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
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1answer
424 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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0answers
72 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, ...
18
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2answers
4k 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
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9answers
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" ...
1
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1answer
336 views

Why are card security codes always in a certain italic font?

I have around 10 different credit + debit cards from different banks, and while they can each have their own font/styling for the 16 digit sequence, all of them have the security code written in this ...
3
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0answers
74 views

How do certain companies force payment withdrawal while others can’t?

Not sure if this is the right place to ask so let me know otherwise, but it seemed the most appropriate...Some subscription services (Spotify, Netflix for example) can’t process your monthly payment ...
3
votes
1answer
178 views

What does it mean to transfer money to a debit card?

When I go to transfer money on PayPal I notice that it lists my bank as well as my debit card as options to transfer money to. They both go to the same place (my checking account) so this had me ...
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3answers
196 views

Is a credit or debit card refund is technically-speaking the same as a wire transfer?

I am trying to figure out some categories to encompass some sort of money transfers / transactions but my banking "expertise" is falling short. Ok what I am trying to group are the things below: ...
0
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1answer
147 views

Debit Card Risk

The platform privacy.com can utilize debit cards to fund transactions. If there is an error in funding the platform through the debit card or merchant transaction: Is the transaction 'final' in ...
0
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1answer
139 views

Given wrong POS machine receipt, should I be worried?

I was shopping today and paid with a local bank debit card (not Visa, MasterCard or some international card, just an ATM card issued by a local bank). Normally there would be 3 identical receipts and ...
19
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11answers
14k views

Urgently need pre-paid debit card to pay debt collector

I owe a sum of a few thousand dollars to a debt collector. I've already gone through the steps of getting a confirmation of the debt and it is a debt I know I'm accountable for. I need to pay this ...
20
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7answers
12k views

Charges from Dollar General have never shown up on my debit card. How can I resolve this?

During the summer of 2016 I lived by a Dollar General and went there about once a week. I only had a debit card then and paid for everything this way. DG was notable in that I never had to enter my ...
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4answers
753 views

How do I transfer funds from MY OWN card to MY OWN personal bank account?

Would anyone please be so kind to explain me how (where) could I transfer funds from my own debit and/or credit (particularly debit) card issued by X bank (USA) to my own personal checking bank ...
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1answer
103 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
653 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 ...
0
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1answer
3k 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 ...
1
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1answer
166 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,...
2
votes
1answer
343 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 ...
0
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4answers
198 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 ...
5
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1answer
107 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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2answers
5k 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-...
25
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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 ...
1
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0answers
98 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'...
10
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6answers
5k 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 ...
0
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2answers
177 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 ...
7
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3answers
453 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 ...
0
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0answers
96 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
536 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....
0
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2answers
98 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 ...
2
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3answers
251 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 ...
91
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6answers
23k views

Why do credit cards have their number and CVC code printed on them for all to see?

Ever since online commerce became a reality, it was sufficient to know the credit card number, expiration date and CVC code to purchase anything online. Things are slowly changing as MFA is getting ...
1
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0answers
85 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 ...
2
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2answers
1k 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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