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141 votes

Urgently need pre-paid debit card to pay debt collector

This sounds like a scam. The debt itself may be legitimate but the debt collector doesn’t sound legitimate. Legitimate businesses would never need access to your bank account. If you have the funds ...
Lawrence's user avatar
  • 9,392
134 votes

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

Ultimately you don't bear the fraud risk so you you don't set the risk tolerance. The three digit code, the whole card number, chip and pin, chip and signature, the signature on a receipt, the info ...
quid's user avatar
  • 49k
93 votes

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

The first 4 digits of a card number typically just indicate the issuer and are probably the same as your old card and lots of other cards from the same bank. From Wikipedia: Payment card numbers are ...
GS - Apologise to Monica's user avatar
88 votes

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

DO NOT respond directly to the email with your information. I cannot stress that enough: DO NOT respond to the email with any valuable information. If you decide to send them the CVV number to process ...
PGnome's user avatar
  • 2,280
58 votes
Accepted

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

The purpose of the security code is not a secret PIN. The purpose is to "prove" that you have the physical card in your possession at the time of purchase. It is only used when the merchant cannot ...
Ben Miller's user avatar
  • 116k
56 votes

Using credit/debit card details vs swiping a card in a payment (credit card) terminal

I see three possible reasons: He doesn't have a secure way (or any way) to manually enter card details. Most payment terminals have a keypad and can support manual entry (or PINs), but everything ...
Bobson's user avatar
  • 2,212
56 votes

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?

Use an intermediary. Rather than your client meeting with that forum person, he could meet with an intermediary that will then provide that payment to the forum persona he is contracting. This ...
Ángel's user avatar
  • 825
54 votes

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

Charging a debit card "as a credit card" doesn't mean that your debit card will actually act as a credit card. It doesn't build up a debt which must be explicitly paid later, as a credit card would. ...
Sneftel's user avatar
  • 684
53 votes
Accepted

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

Is there any way to keep accepting those cards without paying the fees? No. You're receiving a service, why would you be receiving it for free? He confirmed there is no way to scape to this. That's ...
littleadv's user avatar
  • 178k
52 votes

Urgently need pre-paid debit card to pay debt collector

For the purposes of this answer I am assuming that this is not a scam, and that they are not the one who led you down the path of needing to use gift cards to make the payment. No legitimate business ...
mhoran_psprep's user avatar
50 votes

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

Other Visa or Mastercards are either credit cards, or debit cards associated with a bank account with an overdraft facility. There is a high probability that a transaction will be honoured even if ...
Simon B's user avatar
  • 10.5k
47 votes

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

In my opinion, you've done more than you need to do. Some would argue that you didn't need to do anything at all. It wasn't your fault that payment was reversed and it is the job of the seller to ...
minou's user avatar
  • 7,536
45 votes

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

Dave Ramsey is well-meaning, but wrong sometimes. Aren't we all. What Dave is really saying is "You can't have credit cards because I don't trust you to use them responsibly". I realize that ...
Harper - Reinstate Monica's user avatar
38 votes
Accepted

What are the limitations of use of "Electronic use only " debit card

"electronic use only" cards can only be used by vendors that can instantly verify and authorize the purchase, which is most vendors these days, but there will be some exceptions: vendors that use old ...
D Stanley's user avatar
  • 138k
37 votes

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?

Use an escrow service An escrow service is a third party that holds the payment from the buyer while the transaction is in progress. Once the buyer and seller agree that the obligations have been ...
Ben Miller's user avatar
  • 116k
35 votes

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 am not familiar with Russia's postal service, but might you go low-tech and simply have the client physically mail you currency? Again, ignorance of Russian services available, but in the US you can ...
GeekInOhio's user avatar
34 votes
Accepted

How can I prevent future card fraud?

For starters - by not using debit cards. It has been noted on this site numerously that credit cards are safer. Not only in the US, Visa/MasterCard dispute resolution rules for credit cards are ...
littleadv's user avatar
  • 178k
32 votes

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

"Need" is a strong word. As far as merchants are concerned, if they accept, e.g., Visa credit, they will accept Visa Debit. The reverse is not necessarily true. Up until lately, Aldi would only accept ...
PGnome's user avatar
  • 2,280
32 votes

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

It may not indicate fraud but it suggests incompetence/amateurism on the part of the business. This is not the normal flow for accepting credit card payments -- have they just started doing so? Ben ...
nanoman's user avatar
  • 30.2k
31 votes
Accepted

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

It's been 3 years, just let it go. Chances are the transactions did go through but you are either not looking at the right statements or the transactions are showing as something that you can't ...
ventsyv's user avatar
  • 1,322
28 votes

Using credit/debit card details vs swiping a card in a payment (credit card) terminal

Using the physical card or not are two different scenarios, namely "Card Present" and "Card Not Present" (also known as MOTO as in Mail Order / Telephone Order). They may involve different contracts, ...
jcaron's user avatar
  • 3,992
27 votes
Accepted

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

The EMV standard supports two (technically three) methods of verifying a PIN. In the first method ("online"), the PIN is encrypted and sent to the bank for verification. The other method ("offline") ...
Bobson's user avatar
  • 2,212
24 votes

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

Car rental agencies typically accept only credit cards for the rental (you can pay at the end with debit, but the securing during the rental must be a credit card - or a high cash deposit). Hotel ...
Aganju's user avatar
  • 37.7k
24 votes

Urgently need pre-paid debit card to pay debt collector

Even if they were legit, they won't file litigation (which is a lawsuit) because the overhead costs are considerable. But who cares? It's not a lawsuit until they serve you. Then it'll be a month + ...
Harper - Reinstate Monica's user avatar
23 votes
Accepted

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

I would look at the bank website for any monthly statement that would specify the last four digits. It may also have been included in any email correspondence from the bank when the card was reported ...
mhoran_psprep's user avatar
22 votes

Is a debit card dangerous for an account with low balance and no overdraft protection?

The "danger" of using a debit card is that what backs it is your real money. If there is a fraudulent transaction, the money that is used to settle the transaction is yours. Yes there is a dispute and ...
Todd's user avatar
  • 2,302
21 votes

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

EU and more specifically Germany: (Colloquial) terminology is roughly: the card automatically issued by your bank is the "bank card", and cards issued by e.g. Visa, Mastercard, Diners, American ...
cbeleites's user avatar
  • 2,974
20 votes

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

Possibly not relevant to the original asker, but in the UK another advantage of using a credit card is that when making a purchase over £100 and paying by credit card you get additional protection on ...
chored's user avatar
  • 301
20 votes

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?

Depending on the amount, he could use money orders (for example Western Union), Amazon gift cards (or similar) and DM/email you the codes, or mail you prepaid Visa/Amex credit cards.
0xFEE1DEAD's user avatar
  • 8,498

Only top scored, non community-wiki answers of a minimum length are eligible