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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58 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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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 ...
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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" ...
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1answer
315 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 ...
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4answers
426 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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0answers
73 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
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1answer
114 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
162 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: ...
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1answer
140 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 ...
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4answers
3k views

Are there any banks that still offer a PIN-only debit card? [closed]

I recently had my debit card skimmed and about $300 in fradulent transactions emptied from my checking account. Eventually I will get the money back (10 days? 30 days? we'll see), but I couldn't help ...
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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-...
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1answer
121 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 ...
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11answers
13k 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
11k 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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0answers
234 views

Paying by credit-card online without transmitting your real name (in Europe)? (state authorities tracking/verification are no problem)

I’m looking for a way to make online purchases (video games/streaming-services/etc)/donations without transmitting my name/similarly identifying info. Apparently in US you could use privacy.com or ...
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1answer
68 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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6answers
7k views

What's the difference when asked for “debit or credit” by a store when using credit and debit cards?

When purchasing something in a store with a credit card or a debit card, the cashier may ask "credit or debit"? I was wondering what the point is using a credit card in a "debit" way? How is it ...
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3answers
7k views

Who performs the blocking on a Visa card?

I recently tried to pay for a train ticket online with my Visa debit card. However the payment got refused, but the price of the ticket is being blocked on my card. I contacted the train company to ...
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3answers
236 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
210 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
161 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
294 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 ...
2
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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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4answers
191 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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11answers
6k views

Is it bad etiquette to use a credit or debit card to pay for single figure amounts at the POS

This question might be subjective, but I would like to listen to opinions, if possible. Ever since I got mugged on campus, I only carry enough cash to pay for bus travel. All other payments are made ...
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5answers
6k views

Scammer wants details and credentials for my empty & unused bank account. What could go wrong?

Some guy wants to use my bank account info (user and password) and he also wants me to ship my card he said with 0 dollars on it. It's a debit card and I don't really use the account anymore it has ...
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3answers
38k views

Is there a way to know the number of a lost debit card?

I am stuck in the situation where I want to know the card number of my lost debit card (lost in 2013). I have an account in the Bank of India. I checked all my entries in bank pass-books but there is ...
5
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1answer
105 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

Prepaid VISA Debit Card declined on Amazon.com

So I tried to make a purchase on Amazon.com using my Prepaid Visa Debit Card but it was declined, they said: We have canceled your recent Amazon.com order(s) because we are unable to charge your ...
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2answers
3k 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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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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2answers
4k 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 ...
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3answers
8k 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
895 views

How do scammers / money launderers profit from loans to victims?

Recently, I had an investor [scammer] offer to loan my company money. It was to be posted directly into my accounts — equal amounts in my checking and savings accounts. There were no conditions that ...
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0answers
97 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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2answers
15k 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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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
162 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
370 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
93 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
420 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
70 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
211 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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2answers
243 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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0answers
73 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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13answers
11k views

Would I ever need credit card if my debit card is issued by MasterCard/Visa?

My debit card is issued by Visa, but MasterCard AFAIK doesn't differ in that case. I can use it to pay in shops, online, to reserve place in hotel etc. I manage to constantly have enough money on ...
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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'...
4
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1answer
290 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 ...
4
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0answers
231 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
148 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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