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148 votes
Accepted

Scam caller asked for last 4 digits of card. Fake number doesn't fool him, does he have my full number?

He was probably trying to impersonate you on a site that legitimately knows your card number, perhaps your card issuer itself. Such a site would challenge your identity by asking for your last four ...
erickson's user avatar
  • 838
54 votes

Transferring balances left over prepaid credit cards

You can simply use them to pay in a supermarket or anywhere else. Just give them the card and say ‘put 1.23$ on this one please, and the rest I pay cash‘ or whatever. They might be annoyed when you ...
Aganju's user avatar
  • 37.7k
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
  • 10.4k
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
  • 135k
32 votes

Transferring balances left over prepaid credit cards

I had a good half dozen of these with various amounts, none of them quite enough to make a purchase anywhere and, like you, I didn't want them to go to waste. If there is at least $1 on the card, ...
Nosrac's user avatar
  • 6,839
32 votes

Scam caller asked for last 4 digits of card. Fake number doesn't fool him, does he have my full number?

The last digit is a check digit that uses the Luhn algorithm to help avoid data entry errors, but you need all of the previous digits to calculate the check value. It is possible that they have a &...
mhoran_psprep's user avatar
22 votes
Accepted

When a customer buys a product with a credit card, does the seller receive the money in installments or completely in one transaction?

This depends on who extends the credit. If it is the seller who extends the credit (i.e.: the seller is the one allowing the installments) then they'll receive the money in installments. If it's the ...
littleadv's user avatar
  • 174k
17 votes

Scam caller asked for last 4 digits of card. Fake number doesn't fool him, does he have my full number?

More likely he had nothing and was trying to get you to read out the entire number "so we can correct it." Or, as @freiheit suggested, more likely they were trying to use this to ...
keshlam's user avatar
  • 46.5k
16 votes

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

When you use a card, there are usually two phases in the transaction: Authorisation, where you (the merchant) ask if you can charge amount X on the card, and the issuer will tell you yes or no, and ...
jcaron's user avatar
  • 3,952
14 votes

When a customer buys a product with a credit card, does the seller receive the money in installments or completely in one transaction?

When a customer buys a product with a credit card, does the seller receive the money in installments or completely in one transaction? OK, so a) you bought with a credit card, and b) you're wondering ...
Harper - Reinstate Monica's user avatar
11 votes
Accepted

Can I get cashback for buying gift cards on Amazon?

Yes, and Amazon advertises this feature.
NL - Apologize to Monica's user avatar
10 votes
Accepted

Money deducted without Verified By Visa authentication

On Indian cards Verified by visa comes only for Indian sites as RBI has mandated by regulation. However foreign sites need not be governed by Indian laws. Depending on the site you can request for ...
Dheer's user avatar
  • 57.1k
9 votes

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

This is the electronic/online use only (Maestro, VISA Electron) card vs. traditional (offline transactions allowed) difference. With traditional cards one can get an imprint and claim the transaction ...
Vladimir F Героям слава's user avatar
7 votes

Transferring balances left over prepaid credit cards

Spend them at the gas pump. Just run the pump until it stops, then repeat with next card. That's always worked for me
Moreauch's user avatar
6 votes

Friend is leaving US without ending the lease? What the apartment manager can do?

A lease is stronger than a normal contract as it is an interest in land. The lease provides the tenant with an exclusive right over that land in exchange for the monthly rent. The landlord can sue ...
xirt's user avatar
  • 5,121
6 votes
Accepted

Visa transaction happened only after 16 days after I made purchase

AIUI this is not terribly abnormal. There are authorisations (sometimes reffered to as "pending charges" or "holds") and actual charges. An authorisation reserves money but doesn't actually take it. ...
Peter Green's user avatar
  • 2,944
6 votes

Got a work offer but asked for my first visa digits

This sounds like a scam to me. The first 6 digits of a Visa card number identify the issuing bank, who they can now call, and armed with the other identifying information you have given them, can try ...
Rupert Morrish's user avatar
5 votes

How do I figure out who issued a credit card from just the first 4 digits?

The first six digits of the card are known as the BIN (or IIN). They can be used to identify who issued the card, and sometimes what type of card it is. This lookup service would help, but it ...
Bobson's user avatar
  • 2,177
5 votes

Fees for using mastercard/Visa card at a place which accepts payment in other currency

In general, payments will be in the currency denominated by the seller. Your bank will automatically convert a balance of INR from your card to whichever currency you chose to pay in (be it USD or EUR)...
Leon's user avatar
  • 4,107
5 votes
Accepted

Is it legal to keep my US bank account after leaving the US, and receive money on it?

Yes, it is possible for foreigners to have/keep a US bank account*. For the remainder: IANAL (nor tax advisor), and have never been resident to the US. So everyone, if my guesstimates are off, please ...
cbeleites unhappy with SX's user avatar
5 votes
Accepted

Is it possible to chargeback a "legitimate" transaction which occurred due to a scam?

For your particular case, you probably have a valid chargeback claim. Condition 12.5 Incorrect Amount can apply if: • The transaction amount is incorrect. • An addition or transposition error was ...
Acccumulation's user avatar
4 votes

Visa card transaction please help?

Presuming you received the merchandise or service... that sounds like the vendor did not Batch the transaction. https://www.moneycrashers.com/credit-card-payment-processing-systems-networks/ ...
RonJohn's user avatar
  • 50.7k
4 votes
Accepted

VISA Debit card refund on another currency

The refund will be in the same currency that it was charged in. When making a charge, the merchant specifies an amount and a currency. That is converted to the currency of the card, using the ...
DJClayworth's user avatar
  • 33.4k
3 votes

Transferring balances left over prepaid credit cards

A few years ago, I had the rare opportunity to take advantage of a credit card offer. Specifically, a 10% cash back deal on purchases at drug stores or supermarkets. The offer was limited to 90 days, ...
JTP - Apologise to Monica's user avatar
3 votes

Money deducted without Verified By Visa authentication

It is up to the merchant whether to use Verified by Visa or not. It saves them transaction fees and sometimes their bank requires it. A lot of sites only require card number, expiration date and CVC ...
Tor Klingberg's user avatar
3 votes

How to safely pay with VISA online

What is to stop them from holding onto these details and spooning my account dry a few weeks later? The threat of chargebacks and ultimately prosecution. What are my options? Get a credit card. ...
Peter Green's user avatar
  • 2,944
3 votes

What is a 'management and investment' structure in this Luxembourg visa?

In my reading the difference between the 1/2 million deal and the 3 million deal is essentially that in the 1/2m deal you can get away with 5 employees (so, start a restaurant or web design shop ...
Fattie's user avatar
  • 13.8k
3 votes

Current state of 3-D Secure / Verified by Visa acceptance in USA / Canada?

My personal experience has been very low in encountering 3D secure when making online purchases. I can't say that I've seen any sort of increase over the last 10 years. I think the same concept from ...
BobbyScon's user avatar
  • 14k
3 votes

Don't KYC - is it legal/legit to have a crypto card without KYC checks?

This is just a pre-paid Visa/MC debit card. Pre-paid Visa cards holding less than $1000 are not subject to KYC. According to the "Don't KYC" web site you linked to, they charge a 6% ...
Charles E. Grant's user avatar
3 votes

How do I physically remove the tap-to-pay functionality from my Visa credit card?

This answer does not address the legality of cutting into a credit card, and I haven't tried it myself. Results are not guaranteed. Generally speaking, if you make any cut through the antenna it will ...
user253751's user avatar
  • 2,839

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