4 ms·

You shouldn’t be contacting a bank - I think that might be the distinciton. When people say this, I interpret it as contacting their credit card and asking for

You shouldn’t be contacting a bank - I think that might be the distinciton. When people say this, I interpret it as contacting their credit card and asking for a chargeback. This depends on the credit card company but mine is very willing to charge back if I call. They find it pretty trivial. I’ve never done anything like this with a debit card or bank though. I think the money that leaves through debit is actually gone and that’s a distinction. I know the EU is more debit focused.

folmar 6y ago
It is not that much debit focused, but you normally get credit card from a bank here.
- tluyben2 6y ago
  Which country? Because here in south eu all banks give out debit cards as standard card. NL is different in that they use maestro so if you want to travel (outside of eu) you have to request a regular debit/credit card and most NL banks do not issue debit cards outside maestro, so you get a Cc.
  - krageon 6y ago
    > if you want to travel (outside of eu) you have to request a regular debit/credit card The era where maestro cards were impossible to use abroad was already over ten years ago. The only thing you might need a creditcard for abroad is hotels and car rental, which you wouldn't be able to do with any kind of debit card (outside of a relatively small selection of hotels).
    - tluyben2 6y ago
      That doesn't match, at all, with my experience. I had to travel for work all over the world the past 8 years, usually twice a month and my maestro cards didn't work in any US atms or shops, nor in chinese ones, nor in hk, indonesia, australia, cambodia, most atms in thailand and other places. In the US & China, it had big maestro stickers everywhere, but it didn't work at all. Different cards, different banks; on calling the banks they said they did not even see a transaction coming in and they the cards are set for international travel (and work fine everywhere they are accepted in the EU). And it's not for lack of trying; One time on a big slog from US -> China -> AUS, I (stupidly) brought 1 credit card and 3 maestros and my CC got cancelled (fraud); I tried literally every atm , shop in these countries and could not get $1. I had to borrow from my colleagues. This is a few years ago.
CRConrad 6y ago
I get my credit card from my bank. I don't even know if you can get a card directly from a credit card company here in Finland.

folmar 6y ago

It is not that much debit focused, but you normally get credit card from a bank here.

tluyben2 6y ago
Which country? Because here in south eu all banks give out debit cards as standard card. NL is different in that they use maestro so if you want to travel (outside of eu) you have to request a regular debit/credit card and most NL banks do not issue debit cards outside maestro, so you get a Cc.
- krageon 6y ago
  > if you want to travel (outside of eu) you have to request a regular debit/credit card The era where maestro cards were impossible to use abroad was already over ten years ago. The only thing you might need a creditcard for abroad is hotels and car rental, which you wouldn't be able to do with any kind of debit card (outside of a relatively small selection of hotels).
  - tluyben2 6y ago
    That doesn't match, at all, with my experience. I had to travel for work all over the world the past 8 years, usually twice a month and my maestro cards didn't work in any US atms or shops, nor in chinese ones, nor in hk, indonesia, australia, cambodia, most atms in thailand and other places. In the US & China, it had big maestro stickers everywhere, but it didn't work at all. Different cards, different banks; on calling the banks they said they did not even see a transaction coming in and they the cards are set for international travel (and work fine everywhere they are accepted in the EU). And it's not for lack of trying; One time on a big slog from US -> China -> AUS, I (stupidly) brought 1 credit card and 3 maestros and my CC got cancelled (fraud); I tried literally every atm , shop in these countries and could not get $1. I had to borrow from my colleagues. This is a few years ago.

CRConrad 6y ago

I get my credit card from my bank. I don't even know if you can get a card directly from a credit card company here in Finland.