Well if you have a pure debit card it does not. If it is a Visa Check
card or something like that you get the same protection as with a credit
card except they do not immediately redeposit your funds, you have to
wait until they sellers response period is over usually about 3 weeks to
a month. And yes I have gotten my money back from a bad transaction that
way. It is why I should have ran a paypal transaction through the Visa
Check card instead of letting them directly draft my account a while
back. I would at least have gotten my $15 back, since I never got the
product.
graywolf
http://www.graywolfphoto.com
"Idiot Proof" <==> "Expert Proof"
-----------------------------------
Tom C wrote:
And while we're at it...Can somebody please tell me why the hell I
should care if they run my card as a debit or credit transaction?
It's all coming out of the same account..I don't get it.
Cory
made a good dinner tonight ;)
.
Don't know all the reasons. Somtimes at gas stations, a pre-auth may
be made that locks up funds, sometimes for over 24 hours. Many only
do it for a small amount like $1.00... but others may do it for
$75.00. So, if an account had a low balance and you were unaware of
the authorization, which for all intents and purposes, until released
is a debit, additional charges could make one go into overdraft. Saw
it on the news last week.
I also think you have more recourse, insurance protection, etc., if
using a credit vs debit card (not that running a debit as a credit
will make a difference there).
Tom C.
