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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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59 views

How much does it cost a credit card company to process a transaction? [on hold]

How much does it cost a processing network (Mastercard or Visa) to process a transaction? I understand they charge a 0.5%-2% fee to merchants, but I am wondering what kind of markup they have on it.
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2answers
25 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
96 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
51 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
281 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'...
4
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1answer
131 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 ...
3
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0answers
115 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
116 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 ...
3
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2answers
183 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
75 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
2
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2answers
335 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, ...
1
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1answer
63 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 ...
2
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3answers
338 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
votes
1answer
700 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 ...
1
vote
1answer
99 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
263 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
244 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
5k 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 ...
8
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1answer
291 views

Anyway 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 ...
8
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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
votes
1answer
161 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
727 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 ...
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0answers
58 views

How can I get my student in the UK a money card that I can load from the US?

Is there a way for my student in the UK to pick up a money card that I can load from the US?
4
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2answers
115 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
votes
1answer
187 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
7k 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
303 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
votes
4answers
468 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
votes
1answer
218 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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0answers
147 views

Debit Card for US citizen but non US resident

I have money in a US account, am a US citizen, non US resident. I cannot get a US credit card because of international address. In September 2017 I visit NYC. How do I get a prepaid debit card?
1
vote
1answer
29 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 ...
1
vote
3answers
3k 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
228 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 ...
3
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1answer
694 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
125 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 ...
2
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2answers
269 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 ...
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4answers
5k 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 ...
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0answers
88 views

Why isn't *all* debit card activity immediately shown on my online statement? [duplicate]

I've noticed that my bank (Wells Fargo) can see some "approval requests" on my debit card that I cannot see online. For example, if I make a T-Mobile payment, that day and the next I cannot see any ...
0
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1answer
58 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, ...
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2answers
334 views

What would be better, a debit card or a credit card for ATM withdrawls in Canada?

Few months down the line, I may get an opportunity to go to Canada for a conference as well as doing bit of sight-seeing as well. While I do have debit cards from few banks, I was told credit cards ...
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0answers
41 views

Is it safe to pay bills in public through debit/credit cards? [duplicate]

When paying bills at public places like restaurants, Supermarkets, etc.. what they only want to process the payment are 16 digit card number, validity period of the card, 3 digit PIN number at the ...
4
votes
2answers
2k views

Potential phishing scam?

Made a large purchase order on a site with a safe Norton rating and A+ BBB rating. Noticed I put the wrong shipping address, called the number on the site, and I got the order canceled and received an ...
1
vote
1answer
145 views

Got charged 3x for a single 6 month membership. What should I do?

I bought a single 6 month membership to OkCupid today, or so I thought. The website rejected my billing information for my debit card twice before I narrowed down the problem to a wrong zip code and ...
2
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2answers
355 views

Pay via Debit Card or Bank's portal

Most online businesses I access have multiple payment modes, two of which (them being the ones I can use) are debit cards and online banking. Choosing the latter takes you to your bank's online portal,...
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1answer
203 views

Debit Card vs. Bank Account Number (USA)?

I currently have in my possession physical debit card. Don't have my personal bank account number (both USA). I know it can be found online, on physical cheques, welcome material, statements but I ...
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2answers
2k views

Why was I charged twice?

I've got two line items in my "In Process Transactions" table via my online banking interface like this: DEC 22 POS PUR **** [ITEM1] $500.67 DEC 22 POS PUR **** [ITEM2] $1000.29 Then above it (...
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1answer
162 views

Why are debit cards PIN limited to 4/5 digits and why not alphanumeric?

I see my debit card and it is limited to 9999 +999 +99 combinations depending on how I use the card. But if the code was alphanumeric as well as had access to special characters the security barrier ...
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1answer
127 views

marking a card with 'check id'

I read this question . It was interesting to see this "Before: If I lose the card, the finder needs to fake my signature (not too difficult, but not a freebie); if I mark the card with 'Check ID', ...
3
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1answer
353 views

What would be the transaction charges for debit card below INR 2000/-?

It's been a month since India saw demonetization. Yesterday, i.e. 8th December 2016 the finance Ministry waived the 15% service tax on card payments of upto INR 2000 in a single transaction. As a ...
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1answer
181 views

Debit card without address [closed]

I am wondering if there is a way to get a bank account/debit card without an address to send it to. I am wanting to give the cards to people in need and be able to send money to the bank/card when ...