Can you charge back with a debit card?

dovic1 · 04-05-2007

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

steel_angel · 04-05-2007

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.

alex · 04-05-2007

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.

ltjman22 · 04-06-2007

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!

spiderweb · 04-16-2007

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.

IrDA · 04-27-2007

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.

mari_123 · 04-27-2007

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.

Fewski · 05-08-2007

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.

jovial · 05-09-2007

Well, last I heard it can be done only with CC, not sure about Debit card though. Someone please confirm this fact!!

jus_tin39 · 05-20-2007

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 ......

04-05-2007	#1 (permalink)
dovic1 Member Join Date: Apr 2007 Posts: 67 Rep Power: 2	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?

04-05-2007	#3 (permalink)
alex Member Join Date: Feb 2007 Location: New York City, New York Posts: 43 Rep Power: 0	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/

04-27-2007	#6 (permalink)
IrDA Senior Member Join Date: Apr 2007 Posts: 275 Rep Power: 2	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

04-27-2007	#7 (permalink)
mari_123 Senior Member Join Date: Apr 2007 Posts: 110 Rep Power: 2	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!"); } }

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04-05-2007	#2 (permalink)
steel_angel Senior Member Join Date: Apr 2007 Posts: 116 Rep Power: 0	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.

04-06-2007	#4 (permalink)
ltjman22 Senior Member Join Date: Apr 2007 Posts: 409 Rep Power: 0	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!

04-16-2007	#5 (permalink)
spiderweb Junior Member Join Date: Apr 2007 Posts: 15 Rep Power: 0	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.

05-08-2007	#8 (permalink)
Fewski Member Join Date: May 2007 Posts: 40 Rep Power: 0	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.

05-09-2007	#9 (permalink)
jovial Junior Member Join Date: May 2007 Posts: 20 Rep Power: 0	Well, last I heard it can be done only with CC, not sure about Debit card though. Someone please confirm this fact!!

05-20-2007	#10 (permalink)
jus_tin39 Junior Member Join Date: May 2007 Posts: 16 Rep Power: 0	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 ......

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