Using Debt card as a Credit Card at pruchase!???

[sskkc]

Forgive me if this has already been written (I haven't read past the first page)

They first charge $50.00 or $75.00 right off. No matter how much or little gas I get. Then a few hours or days they readjust my card to the origional purchase.

This is what they do to "authorize" the pump. If you use a credit card at the pump, they will only authorize $1 and the credit company has to take the "hit" if you don't have enough available to pay for what you pump. If the gas station authorizes $1, then you pump $50 and you only have $25 available and your bank refuses to honor the $50, then the station owner has to go after the thief (which is what someone who goes overdrawn is) and put out more $$ than the $50 he's owed, just to get $50.

As this is something you already know will happen, the fact that it keeps interfering with your account is completely your fault. Withdraw cash and pay with that from now on and consider it a lesson learned.

[70Ford]

Never give your credit card to the waiter/waitress.

1 camera phone + your card ='s 1 bad day

[Dd714]

Originally Posted by 70Ford

Never give your credit card to the waiter/waitress.

1 camera phone + your card ='s 1 bad day

Oh come on - that's kind of unrealistic, can't pay with cash for everything. Really - the protection against that is to review your credit card bills, and the insurance is that you are only liable up to $50 for theft and most of not all will excuse even that (you do know that right?). Not a bad day - just an inconvenience with replacing credit cards and filling out fraud reports.

The risk and inconvenience of paying with cash outweighs the risk of paying with credit cards.

[iGlenn]

Originally Posted by 70Ford

Never give your credit card to the waiter/waitress.

1 camera phone + your card ='s 1 bad day

You don't even need a camera phone. Pen and paper work even better.

[Donn2390]

I use a CC for everything, and very seldom use the debit car unless absolutely necessary. Using a debit card, the money is immediately taken out of your account, and you have no protection.
If you use the CC, you have 30 days free use of the money, and if a dispute arises with the vendor, the CC company will resolve it, you're not automatically stuck as you would be if using a debit card.
I also monitor my bank account and CC card account on a daily basis, so if something is amiss, I'm on it immediately...

[nightbird47]

Originally Posted by Dd714

Oh come on - that's kind of unrealistic, can't pay with cash for everything. Really - the protection against that is to review your credit card bills, and the insurance is that you are only liable up to $50 for theft and most of not all will excuse even that (you do know that right?). Not a bad day - just an inconvenience with replacing credit cards and filling out fraud reports.

The risk and inconvenience of paying with cash outweighs the risk of paying with credit cards.

When I got my new debit card with the mastercard logo, it said that the protection where you are out nothing in case of fraud applies to mastercard debit cards too. So using your debit card as a credit card should also protect you.