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Perhaps I am naive. My understanding is that in general, debit cards do not enable charge backs. Further, I've never had a fraud alert on my card (even when tra
by dangerlibrary 10y ago
Perhaps I am naive. My understanding is that in general, debit cards do not enable charge backs. Further, I've never had a fraud alert on my card (even when traveling internationally) that I couldn't resolve with a phone call to the bank. Does a debit card not solve your problem?
- aianus 10y agoIt's not the bank that's blocking me, it's the merchant. Since merchants are the ones on the hook for card-not-present fraud, they refuse to ship items anywhere but the address registered with the credit card. I don't know which debit cards you're referring to but I'm almost 100% sure that the cardholders are not liable for fraud. Meaning someone else along the chain is liable and is monitoring/blocking transactions to reduce that liability.