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Topic: Debit card

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Secured credit card

Visa Electron

Credit card number

Credit card

Solo (debit card)

Maestro (debit card)

Laser (debit card)

Bank Identification Number

Credit history

VISA (credit card)

Discover Card

MasterCard

ISO 7810

Magnetic stripe card

EFTPOS

	DEBIT CARDS: BEYOND CASH AND CHECKS
		Debit cards are expected to rival cash and checks as a form of payment.
		Debit cards may be more readily accepted by merchants than checks, especially in other states or countries wherever your card brand is accepted.
		Using a debit card may mean you have less protection than with a credit card purchase for items which are never delivered, are defective, or were misrepresented.
	www.nclnet.org /debitbro.htm (1299 words)

	PIRG
		For debit card fraud, your liability is $50 if you notify the bank with 2 days of learning of the fraud, and $500 or more after two days, up to the entire amount stolen under certain circumstances.
		While debit cards, which automatically deduct money from your checking account, may save you money over interest-bearing credit cards, there are important differences between a credit card and a debit card in terms of how much you may owe when someone makes unauthorized charges on your account.
		Notification to the card issuer is given when you take reasonable steps to inform the card issuer in person, by telephone, or in writing, of the loss, theft, or unauthorized use of your card, whether or not the card issuer does in fact receive the information.
	www.pirg.org /consumer/banks/debit/fact.htm (1826 words)

	Debit card - Wikipedia, the free encyclopedia
		Physically the card is a ISO 7810 card like a credit card, however its functionality is more similar to writing a check as the funds are withdrawn directly from the cardholder's bank account; some cards are referred to as check cards.
		Offline debit cards in the United States and some other countries are not compatible with the PIN system, in which case they can be used with a forged signature, since users are rarely required to present identification.
		The introduction of Visa and Mastercard debit cards along with regulation in the settlement fees charged by the operators of both EFTPOS and credit cards by the Reserve Bank has seen a continuation in the increasing ubiquity of credit card use among Australians and a general decline in the profile of EFTPOS.
	en.wikipedia.org /wiki/Debit_card (4916 words)

	DEBIT CARDS
		Debit means "subtract." When you use a debit card, you are subtracting your money from your own bank account.
		But unauthorized access to a debit card could wipe out your checking account and any other accounts you have linked to it and could require that you wait 10 to 20 days for your money to be refunded.
		Your debit card can be used at any ATM in the world as long as the ATM displays one of the same system names or symbols that is on your debit card.
	www.in.gov /dfi/education/Money_Smart/debit_cards.htm (1713 words)

	Debit Card Frequently Asked Questions
		If you use a debit card at a retail store, you or the cashier can run your card through a scanner that enables your financial institution to verify electronically that the funds are available and approve the transaction.
		Often, a debit card purchase is posted within 24 hours instead of days, as may be the case with a paper check.
		If you want to sign for a debit card transaction, you generally swipe your card through the reader and choose "credit" — even though you are authorizing a debit (withdrawal) from your account, not a credit card transaction.
	www.dfi.wa.gov /consumers/education/debit_faq.htm (2002 words)

	Debit card facts
		Debit card liability could cost you a lot -- while credit card liability only $50, by law.
		On an EFT card, your liability for an unauthorized withdrawal can vary: Your loss is limited to $50 if you notify the financial institution within two business days after learning of loss or theft of your card or code.
		Therefore, banks cannot assume that they have satisfied their duty to investigate simply by concluding that the customer's debit card and PIN were used in the transaction at issue....
	www.pirg.org /consumer/banks/debit/debitcards1.htm (1332 words)

	Debit card fees
		If you swipe your debit card on some purchases these days the merchant is going to "ding" you with a fee just for using the card.
		Debit fees range from 10-cents to $1.50 per transaction and they're deducted out of your bank account on top of the transaction.
		So, again if a business takes both debit and credit cards, and you make a debit transaction where a fee applies, you should be given the choice to press "debit" or "credit" to finish the sale.
	www.azcentral.com /12news/consumer/articles/DebitCard07062004-CR.html (413 words)

	Smart New Way to Pay
		Debit cards with the logo of one of the two major payment card companies are ATM cards with clout.
		Debit cards are typically used as substitutes for cash and checks to pay for everyday items such as gasoline, groceries, restaurant meals, and department store purchases.
		The two major payment card companies limit your liability to a maximum of $50 and it could be as low as zero if you report your card missing immediately.
	www.pueblo.gsa.gov /cic_text/money/debit-card-savvy/wave.html (586 words)

	Federal Trade Commission
		When you use a credit or debit card to check into a hotel or rent a car, the clerk usually contacts the company that issued your card to give an estimated total.
		If you pay your bill with the same card you used when you checked in, the final charge on your credit card, or final amount on your debit card, probably will replace the block in a day or two.
		On debit cards, depending on the balance in your bank account, blocking could lead to charges for insufficient funds while the block remains in place.
	www.ftc.gov /bcp/conline/pubs/credit/credbloc.htm (800 words)

	HBL: Debit Card (Site not responding. Last check: 2007-10-18)
		Habib Bank Debit card is accepted at over a thousand merchant locations including fuel stations, departmental stores, restaurants, travel agents, grocery stores etc. thus saving you from frequently visiting bank or ATM for withdrawing money.
		In case you want to de-link from the debit facility during or after the free period, just inform your branch or call our customer services and the Debit Card facility would be deactivated from your card.
		Your don’t have to apply for the Debit Card facility in case you use your Auto Cash (ATM) card on the POS during the free period until September 30, 2003.
	www.habibbankltd.com /html/debitcard.htm (1157 words)

	Welcome to your Card Support Center.
		The Card is a stored value card meaning you or your employer deposit money into your Card account, and then you can access the money in your account.
		Your Card can be used at any ATM operated by the bank that issued your Card or by any ATM that displays any of the network logos on the back of your card.
		Your access code was printed on the card carrier which was sent to you when you received your card.
	www.debitcardsupport.com /627423/faqs.htm (1461 words)

	ECHO Payment Processing - Debit Card Processing Services
		Statements are itemized with the location and time of the debit card transaction.
		So popular are debit cards that VISA announced that more debit card transactions than credit card transactions had been conducted in a recent quarter.
		Debit card transactions will appear on your consolidated merchant processing statement and your online transaction reporting along with your credit card transactions.
	www.echo-inc.com /debit_card_processing.html (213 words)

	Pre-Tax Debit Card
		Your SHPS Spending Account Visa®; card is a new and simple way for you to pay for qualified out-of-pocket expenses associated with your HCSA plan.
		Simply use your card to pay for qualified services at the point of purchase, just like any other debit or credit card; the funds are automatically deducted from your HCSA account.
		A: You may begin using the card at the beginning of the plan year once funds have been made available and after you have activated and signed the card.
	www.mass.gov /gic/pretaxdebit.htm (1441 words)

	The ins and outs of debit cards (Page 1 of 3) (Site not responding. Last check: 2007-10-18)
		When you pay with a debit card, the payment is pulled directly from your bank account.
		These kinds of debit cards are accepted at gas stations, supermarkets and stores such as Wal-Mart, Walgreen's and Target.
		When you swipe your card through at the checkout line, you'll be asked if you want to pay by debit or credit.
	www.bankrate.com /brm/news/cc/20010813a.asp (434 words)

	VISA Debit Card
		You present it at the checkout counter like you would a credit card, but purchases are never charged against a line of credit – they are always deducted from available funds in your Share Draft (Checking) Account.
		When paying for a purchase with your TADFCU Visa Check (Debit) Card, you may be asked to choose between a “Credit” button and a “Debit” button.
		If you are interested in a VISA Debit Card, Apply Now or stop by any of our branch locations for more information.
	www.tobyhannafcu.org /services/debitcard.html (438 words)

	Debit Card Processing \| Solutions \| Chase Paymentech Solutions (Site not responding. Last check: 2007-10-18)
		Chase Paymentech offers comprehensive PIN-based, PINless and signature-based debit card processing so your customers can use their bank ATM cards and check cards to pay for goods and services.
		The use of debit card payments has expanded rapidly over the past few years.
		This tool allows you to manage your payment mix by prompting for PIN whenever a debit card is presented so you ensure a lower interchange rate and reduced chargebacks.
	www.paymentech.com /soldebcarpro.do (248 words)

	Maestro (debit card) - Wikipedia, the free encyclopedia
		The cardholder presents the card at the Point of sale (POS) and this is swiped through the terminal by the assistant or the customer or inserted into a PINpad.
		The payment is authorised by the card issuer to ensure that the cardholder has sufficient funds in their account to make the purchase and the cardholder confirms the payment by either signing the sales receipt or enters their 4 to 6-digit PIN.
		In Ireland, customers of AIB are receiving a new AIB Maestro debit card which is to replace the current Laser card.
	en.wikipedia.org /wiki/Maestro_(debit_card) (432 words)

	Urban Legends Reference Pages: Debit Card Abuse
		Debit cards issued to Hurricane Katrina evacuees have been used to purchase luxury or entertainment items.
		While the only overtly stated restrictions on their use prohibited the purchase of alcohol, tobacco or firearms, recipients were required to sign an agreement promising to use the cards only for disaster recovery purposes; that is, expenses related to the process of rebuilding their lives.
		Some Katrina evacuees were told by unscrupulous merchants they had to use the full value encoded into their cards in one shot or lose it — these merchants would then offer to buy the unused portion for cash at a reduced rate.
	www.snopes.com /katrina/charity/debitcard.asp (995 words)

	Offline Debit Card
		A card that combines characteristics of both a traditional (online) debit card and a credit card, allowing the cardholder to pay for goods and services directly from his or her bank account.
		These cards are generally issued by credit card companies in association with the bank in which the account is held.
		Because this debit card is "offline", the bank account is not accessed directly, meaning there's a delay of 24 to 72 hours before the amount of a purchase is debited from the account.
	www.investopedia.com /terms/o/offlinedebitcard.asp (334 words)

	Bankrate's Financial Literacy Guide: Test your debit card IQ
		If you have a checking account, chances are that you also have been offered a debit card.
		Debit cards offer the same ''Buy now, pay later'' purchasing power as a credit card.
		Debit cards offer a cash float until your next paycheck as the money takes up to a week to clear your checking account.
	www.bankrate.com /brm/news/financial-literacy/quiz/debit-card.asp (525 words)

	PC World - Worldwide Wave of Debit Card Fraud
		FRAMINGHAM -- The continued refusal by major credit card associations and financial institutions to identify the source of a data compromise that has resulted in a wave of debit card fraud worldwide is fueling concerns about the scope of the problem.
		The spate of recent breach disclosures suggests a shift in focus by criminals from credit card fraud to PIN-based debit card fraud, said Mike Urban, director of fraud technology operations at Fair Isaac, a Minneapolis-based company that is helping investigate the recent incidents.
		But it is still not clear exactly how the debit card and PIN information was accessed and by whom, he said, adding that about 200,000 cards may have been compromised.
	www.pcworld.com /news/article/0,aid,125053,00.asp (1186 words)

	DEBIT CARD (Site not responding. Last check: 2007-10-18)
		The Debit or ATM card must be issued in person to the individual whose name appears on the card.
		Cards can still be issued through the mail through the existing channels.
		When using your Debit or ATM card at a DLFCU ATM you are allowed to get up to $500 dollars cash in a 24 hour period.
	www.dowlafcu.org /debitcard.htm (347 words)

	I Want Visa \| Pay Now \| Visa CEMEA
		With a Visa debit card, you have access to the money in your account wherever you are, whenever you want, wherever you see the Visa symbol.
		Using your card is quicker than making a trip to the bank, more convenient than queuing for a cash dispenser and safer than carrying money.
		Higher-spenders enjoy the top-level services that come with a Visa Platinum card — and still have the reassurance that they are living within their budgets.
	www.visacemea.com /wv/pay_now.jsp?src=intl (333 words)

	Quinn: Is a Credit Card or Debit Card Best for You? - Newsweek Jane Bryant Quinn - MSNBC.com
		Most ATM cards can also serve as retail debit cards today (they have a Visa or MasterCard logo on their face).
		Debit cards limit you to the cash you actually have.
		When you use your card at a drugstore or supermarket, you can usually ask the cashier to add $50, $100 or more to the bill and hand it over in cash.
	www.msnbc.msn.com /id/13989906/site/newsweek (520 words)

	Debit Card Disclosure
		All transactions made with your Card (hereafter referred to as the “Card”) are also subject to the agreements that govern the checking account you choose to access with the Card.
		You are responsible for the use of each Card according to the terms of this agreement.
		In addition, no more than three of the six transfers may be made by check, draft, debit card, or similar order made by you and payable to a third party.
	www.fhsfcu.org /debitcard_disclosure.htm (1933 words)

	Debit Card Info
		If you are not enrolled in direct deposit, you will receive your support on a VISA Debit Card.
		In an effort to offer you more flexibility and free usage with your child support debit card, the West Virginia Bureau for Child Support Enforcement is pleased to announce that as of July 1, 2006 CHASE will be our debit card issuer.
		You will receive your CHASE debit card along with a welcome packet which explains how to use the card.
	www.wvdhhr.org /bcse/debitcard.cfm (183 words)

	Debit/ATM Card
		When you present your debit card, the merchant processes the transaction so that the funds are withdrawn from your GMFCU checking account.
		In the event your debit card is lost or stolen, please call 800-449-7728.
		It is helpful, but not mandatory, for you to know your debit card number and where or when the card was last used.
	www.gmfcu.com /ASP/Products/product_4_3.asp (627 words)

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