Visa/MC Debit cards and Charge backs... - GoFuckYourself.com

Juicy D. Links · 11-09-2003, 06:54 PM

Do they give you the same security as acustomer as a regular credit card ?

Meaning alot of people are using the Debit cards now , and can they do a "chargeback" or better term would be a "debitback"?

CNN · 11-09-2003, 07:01 PM

CB % via DC >> CC

Bigjohn · 11-09-2003, 07:04 PM

Some banks don't allow chargebacks or even protection from theft, so it depends on the bank in a lot of cases. Most will try to make the customer happy but with debit cards they don't seem to always go that extra mile.

The credit card companies have incentive because they've fronted the money and the customer hasn't paid yet (and could dispute and NOT pay). With a debit card, the customer has already had the money deducted from their account so the bank doesn't have to worry if they get paid or not.

Petr · 11-09-2003, 07:17 PM

Quote:

Originally posted by juicylinks
Do they give you the same security as acustomer as a regular credit card ?

Meaning alot of people are using the Debit cards now , and can they do a "chargeback" or better term would be a "debitback"?

Exactly the same as with credit cards. And it's still called "charge back."

hyper · 11-09-2003, 07:22 PM

yes they can do a chargeback

PetMyKitty · 11-09-2003, 07:29 PM

i'm sure it depends on whether or not they used their debit card as a credit card where they had to sign for the purchase or as a debit card where they entered their pin number.

as for website chargebacks.. they used it like a credit card. so they could do a chargeback.

abadfish · 11-09-2003, 08:31 PM

Bank of America treats them like a normal credit card from my experience. I have gotten chargebacks issued from online purchases and such.

rebel23 · 11-09-2003, 08:46 PM

they HAVE to treat the same.. visa doesn't allow discrimination between a visa cc/debit card, visa debit cards are accepted where you see the visa logo, if they're not someone will get an ass kicking

detoxed · 11-09-2003, 08:50 PM

my bank didnt allow chargebacks on debit cards, maybe some do

BlackCrayon · 11-09-2003, 08:57 PM

wouldn't that be nice if you could use your debit card like your CC for online purchases, no more need for visa? or am i totally fucking stupid?

JizzmanPDX · 11-30-2003, 02:34 PM

11-09-2003, 06:54 PM	#1
Juicy D. Links So Fucking Banned Industry Role: Join Date: Apr 2001 Location: N.Y. -Long Island -- Posts: 122,992	Visa/MC Debit cards and Charge backs... Do they give you the same security as acustomer as a regular credit card ? Meaning alot of people are using the Debit cards now , and can they do a "chargeback" or better term would be a "debitback"?

11-09-2003, 07:01 PM	#2
CNN Confirmed User Join Date: Jul 2003 Location: ...on.....little......planet..... GFY Co-Administrator Posts: 352	CB % via DC >> CC __________________ Abama mama

11-09-2003, 07:22 PM	#5
hyper Confirmed User Join Date: Mar 2002 Location: Mass Ass Posts: 5,294	yes they can do a chargeback __________________

11-09-2003, 08:57 PM	#10
BlackCrayon Too lazy to set a custom title Join Date: Jun 2003 Location: Ottawa Posts: 19,631	wouldn't that be nice if you could use your debit card like your CC for online purchases, no more need for visa? or am i totally fucking stupid? __________________ you don't know you're wearing a leash if you sit by the peg all day..

11-09-2003, 07:04 PM	#3
Bigjohn Confirmed User Join Date: Feb 2003 Location: Deep inside my mind Posts: 1,118	Some banks don't allow chargebacks or even protection from theft, so it depends on the bank in a lot of cases. Most will try to make the customer happy but with debit cards they don't seem to always go that extra mile. The credit card companies have incentive because they've fronted the money and the customer hasn't paid yet (and could dispute and NOT pay). With a debit card, the customer has already had the money deducted from their account so the bank doesn't have to worry if they get paid or not.

11-09-2003, 07:29 PM	#6
PetMyKitty Confirmed User Join Date: Oct 2002 Posts: 195	i'm sure it depends on whether or not they used their debit card as a credit card where they had to sign for the purchase or as a debit card where they entered their pin number. as for website chargebacks.. they used it like a credit card. so they could do a chargeback.

11-09-2003, 08:31 PM	#7
abadfish Confirmed User Join Date: Jul 2003 Location: WA Posts: 1,482	Bank of America treats them like a normal credit card from my experience. I have gotten chargebacks issued from online purchases and such.

11-09-2003, 08:46 PM	#8
rebel23 Confirmed User Join Date: Dec 2002 Posts: 817	they HAVE to treat the same.. visa doesn't allow discrimination between a visa cc/debit card, visa debit cards are accepted where you see the visa logo, if they're not someone will get an ass kicking

11-09-2003, 08:50 PM	#9
detoxed vip member Join Date: Jan 2003 Posts: 17,798	my bank didnt allow chargebacks on debit cards, maybe some do

11-30-2003, 02:34 PM	#11
JizzmanPDX So Fucking Banned Join Date: Oct 2001 Posts: 148