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Thread: Using a Debit Card On Line

  1. #1
    Super Member plainpat's Avatar
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    There was some talk on here about a credit card being safer than a debit card. Mostly because a CC will stop payment etc,but debit card won't.

    We've used a debit card for over 20yrs with no problem, but just to be safe,did talk to a bank officer about it.

    He said our Visa debit card is treated just like any CC by Visa.Same safety etc. Just wanted to let others know that.It's easy to check, a ph call will do it.

  2. #2
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    I honestly have no idea, I use a credit card or paypal for everthing. :-)

  3. #3
    Senior Member Japonica's Avatar
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    I feel safer with a credit or paypal. Don't want someone having access to my bank account!

  4. #4
    Super Member plainpat's Avatar
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    Why would they have more acsess to a debit Visa card, than to a CC ? Thanks...another ? for the bank.

    Quote Originally Posted by Japonica
    I feel safer with a credit or paypal. Don't want someone having access to my bank account!

  5. #5
    Senior Member Tcharlie's Avatar
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    Quote Originally Posted by plainpat
    There was some talk on here about a credit card being safer than a debit card. Mostly because a CC will stop payment etc,but debit card won't.

    We've used a debit card for over 20yrs with no problem, but just to be safe,did talk to a bank officer about it.

    He said our Visa debit card is treated just like any CC by Visa.Same safety etc. Just wanted to let others know that.It's easy to check, a ph call will do it.
    I went even one step futher, I opened an account in another bank and keep a small amount in it for online purchases. I use my debit card or paypal but it's all tied back to this small bank account. They can't get to my main account because it's in another bank. I told the bank that this was my play money for online purchases, I just add money to it as needed.

  6. #6
    Super Member luvTooQuilt's Avatar
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    Quote Originally Posted by Tcharlie
    Quote Originally Posted by plainpat
    There was some talk on here about a credit card being safer than a debit card. Mostly because a CC will stop payment etc,but debit card won't.

    We've used a debit card for over 20yrs with no problem, but just to be safe,did talk to a bank officer about it.

    He said our Visa debit card is treated just like any CC by Visa.Same safety etc. Just wanted to let others know that.It's easy to check, a ph call will do it.
    I went even one step futher, I opened an account in another bank and keep a small amount in it for online purchases. I use my debit card or paypal but it's all tied back to this small bank account. They can't get to my main account because it's in another bank. I told the bank that this was my play money for online purchases, I just add money to it as needed.
    Good Idea- seperate acct.. .. :thumbup:
    We just use Amex.. They handle the situation quickly and hassle-free..

  7. #7
    Super Member sewwhat85's Avatar
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    Quote Originally Posted by Tcharlie
    Quote Originally Posted by plainpat
    There was some talk on here about a credit card being safer than a debit card. Mostly because a CC will stop payment etc,but debit card won't.

    We've used a debit card for over 20yrs with no problem, but just to be safe,did talk to a bank officer about it.

    He said our Visa debit card is treated just like any CC by Visa.Same safety etc. Just wanted to let others know that.It's easy to check, a ph call will do it.
    I went even one step futher, I opened an account in another bank and keep a small amount in it for online purchases. I use my debit card or paypal but it's all tied back to this small bank account. They can't get to my main account because it's in another bank. I told the bank that this was my play money for online purchases, I just add money to it as needed.
    that is a great idea

  8. #8
    Power Poster amma's Avatar
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    Quote Originally Posted by Tcharlie
    Quote Originally Posted by plainpat
    There was some talk on here about a credit card being safer than a debit card. Mostly because a CC will stop payment etc,but debit card won't.

    We've used a debit card for over 20yrs with no problem, but just to be safe,did talk to a bank officer about it.

    He said our Visa debit card is treated just like any CC by Visa.Same safety etc. Just wanted to let others know that.It's easy to check, a ph call will do it.
    I went even one step futher, I opened an account in another bank and keep a small amount in it for online purchases. I use my debit card or paypal but it's all tied back to this small bank account. They can't get to my main account because it's in another bank. I told the bank that this was my play money for online purchases, I just add money to it as needed.
    This is what I did too... it is linked to my main account so that I can transfer funds over to it when I want to make a purchase, but it has it's own Debit card.

    You wand the debit card to have a Visa or MasterCard logo on it, so it is treated as a credit card for these purposes.
    A plain debit card does not have as much protection :wink: :D:D:D

  9. #9
    Super Member irishrose's Avatar
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    I use my debit card as a credit card. It's safer that way and Mastercard pays the charges, not the credit union, which helps keep credit union fees down. I've never had it refused as a credit card.

  10. #10
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    I don't have a debit card. Makes my money harder to spend.

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