6 ms·
How could I know are my card credit or debit from system's point of view? I have two cards in my bank, both are exactly same MC cards, embossed, and all (not so
by blacklion 6y ago
How could I know are my card credit or debit from system's point of view?
I have two cards in my bank, both are exactly same MC cards, embossed, and all (not some Maestro variation). One card is linked with my current account — I have real money at this account, my employer pays my salary by transfer to this account and such. I can not pay if thus account is depleted.
Second card is linked with credit account, where I have some limit, and I need to pay off in 28 days after end of each month or I'll pay draconian interest.
But cards are exactly the same, with very similar numbers.
And I never had any problems with any if these cards, like one works and other doesn't.
Is one of my cards debit and other is credit or they are credit both?
- lotsofpulp 6y agoBased on your description, you have one debit card and one credit card. If it says debit on the front of the card, it is debit. I’ve never seen this work in person, but some people claim their debit card worked as a credit card and whatnot. Even if that is true, all merchant systems I’ve worked with allow the merchant/cardholder to select debit or restrict transactions to only debit.
- blacklion 6y agoBoth cards don't have words "debit" neither "credit" on them. I need to be really careful to use right one, as they are virtually indistinguishable. Yes, from my point if view one is debit and one is credit, but I wonder is it possible to know what does payment system think about them? I dream about bank for geeks, where all technical information about each transaction could be seen in web interface :-)
- lotsofpulp 6y agoThat's interesting. I've never seen a debit card not say debit on it somewhere.