+ Reply to Thread
Page 1 of 2 1 2 LastLast
Results 1 to 10 of 16

Thread: Can you charge back with a debit card?

  1. #1
    Member dovic1 is on a distinguished road
    Join Date
    Apr 2007
    Posts
    67

    Can you charge back with a debit card?

    I bought something on the net with a debit card, I didn't receive product am I able to do a chargeback?

  2. #2
    Senior Member steel_angel is an unknown quantity at this point
    Join Date
    Apr 2007
    Posts
    116
    I do not think that you can charge back with a debt card. I have been looking on the web and havent been able to see anything about it. But i am sure if you have a good reason the bank will give you money.

  3. #3
    Member alex.corral is on a distinguished road
    Join Date
    Feb 2007
    Posts
    51
    Credit card based chargebacks are regulated not only by Visa/MasterCard but also Federal Law in the United States. I am not sure about the law as it pertains to debit cards but from a competitive standpoint, most banks to my knowledge in the United States offer limited protection on debit cards. For example, I know that Bank of America gives you 45 days to dispute transactions unless it's changed recently, Chase 60 days and Commerce Bank 45 days. The process is also very different as with a credit card you file an affidavit and your process is pretty much done but in my experience a debit card chargeback is much more intense.
    Alex Corral
    preCharge Risk Management Solutions
    http://www.precharge.com/

  4. #4
    Senior Member ltjman22 is an unknown quantity at this point
    Join Date
    Apr 2007
    Posts
    406
    I don't really think you can do that with a debt card because it is directly linked to your bank account! As with a charge card, the money isn't real until you pay the bill!

  5. #5
    Junior Member spiderweb is on a distinguished road
    Join Date
    Apr 2007
    Posts
    15
    Your debit card does not enjoy the same protection as your credit card especially for chargeback cases. But I think it is possible. Only that you have to make it quick. Contact you debit card provider at once and request for an immediate reversal of your payment.

  6. #6
    Senior Member IrDA is on a distinguished road
    Join Date
    Apr 2007
    Posts
    271
    You can not chargeback using a debit card because you used your own funds but in credit cards you are using funds by credit issuing company.
    No Siggy

  7. #7
    Senior Member mari_123 is on a distinguished road
    Join Date
    Apr 2007
    Posts
    105
    Maybe you can call up your card provider and ask them about the sa,e. You could get the peersonal details of the receiver and can sue him.
    #include<iostream>

    using namespace std;

    void main()
    {
    while(1)
    { printf("hello world!");


    }


    }

  8. #8
    Member Fewski is on a distinguished road
    Join Date
    May 2007
    Posts
    40
    I've never heard of a debit chargeback, but I'm sure they can do something. Call your bank and tell them what happened - they are usually pretty good with helping people out that way. Good luck.

  9. #9
    Junior Member jovial is on a distinguished road
    Join Date
    May 2007
    Posts
    20
    Well, last I heard it can be done only with CC, not sure about Debit card though. Someone please confirm this fact!!

  10. #10
    Junior Member jus_tin39 is on a distinguished road
    Join Date
    May 2007
    Posts
    16
    Yeah this is a really important question ...... we all know that we can chargeback through credit card but what about Debit Card ... I called my bank and they did not gave a clear answer ......

+ Reply to Thread
Page 1 of 2 1 2 LastLast

Thread Information

Users Browsing this Thread

There are currently 1 users browsing this thread. (0 members and 1 guests)

     

Similar Threads

  1. Tracking Frauds on Forum
    By dino in forum Forum Fraud
    Replies: 20
    Last Post: 05-22-2010, 03:14 PM
  2. Some information about affiliate fraud!
    By ltjman22 in forum Affiliate Network Fraud
    Replies: 3
    Last Post: 11-30-2008, 03:38 AM
  3. Saved by BBB
    By dasha101 in forum Consumer Fraud
    Replies: 7
    Last Post: 06-22-2007, 07:18 PM
  4. Adwords
    By ltjman22 in forum Google Adwords / Adsense
    Replies: 3
    Last Post: 04-24-2007, 05:15 PM
  5. verification
    By njoker555 in forum PayPal
    Replies: 1
    Last Post: 03-31-2007, 11:41 PM

Bookmarks

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48