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Around here debit cards are protected in the same way as credit cards. You are fully covered if you in no way have been negligent. If the PIN code have been u
by clan 8y ago
Around here debit cards are protected in the same way as credit cards.
You are fully covered if you in no way have been negligent.
If the PIN code have been used you have a own risk of $173.
Have you been negligent the own risk goes up to $1255.
In very severe cases you can be made fully liable but that is very rare.
- chillacy 8y agoDo debit cards also issue chargebacks? That’s when you disagree with the service you’ve been provided with by a merchant and you call your credit card provider (usually a bank) and issue a chargeback, resulting in a full refund usually (they tend to side with the customer). You can’t abuse it too much but I know people who definitely abuse it for what I’d consider trivial disagreements.
- clan 8y agoAs far as I know chargebacks are not misused in the same way around here. But yes - it is available for "remote orders" with the debit card. But only for phone, mail and Internet orders. Not from a physical shop using pin code. My personal guess is that it is tied to good consumer protection laws. We do not need to misuse chargebacks as we have other avenues of regress. You further more need to have your documentation in order when asking for the chargeback. They do do not offer blanket chargeback. You need to document your case and that the vendor is not cooperating. Important caveat: If the receiver went bankrupt the bank cannot help you - you Will have to take it up with the executor.