Go Back  Bike Forums > The Lounge > Foo
Reload this Page >

Debit Cards - For the love of God

Notices
Foo Light hearted off-topic chit chat with no general subject.

Debit Cards - For the love of God

Old 08-29-08, 02:58 AM
  #1  
RubenX 
Look! My Spine!
Thread Starter
 
RubenX's Avatar
 
Join Date: Apr 2008
Location: Kissimmee, FL
Posts: 620
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 9 Post(s)
Likes: 0
Liked 0 Times in 0 Posts
Debit Cards - For the love of God

Back in the day it was simple: If here was money on the account, you could buy stuff. If there wasn't enough funds, you couldn't buy.

Now days, banks have bobby-trapped the system to screw you over. Take my latest example... I subscribed to an online gaming site for my son. It had the option to subscribe for ONE MONTH ONLY. I chose that option, this was back in July. My son played the games and got bored. On Aug 21, the site sends me an email asking if I wanted to renew. I didn't. By Aug 22 I logged into the site and the account was indeed disabled, no access to the games.

I checked my bank account on the 22nd, I had like 225 bucks. My daughter's birthday is comming up so I withdraw 200 and gave it to my wife for party supplies. Check the account again on the 23rd... around 25 bucks there... We went out on the 24th, doing some errands, with the children. I stopped a few times along the way to get stuff for them:

- One bag of candy for the baby girl --> 0.99
- One soda for the boy --> 0.89
- Two cheeseburgers --> 1.99
- Orange Juice for the girl --> 1.25
- Soda for wife --> 0.89
- Water for me --> 1.25


So the six transactions didn't got to 10 bucks and I had 25 there, so I'm good right? WRONG!

I checked my account this morning and the online gaming site decided charge me for a renewed subscription anyway. The charge didn't showed up till this morning (28th) but it appears with a date of Aug 23. The charge was for 24.99, leaving only a few cents on my account. Every single one of my mini-transactions on the 24th now appear as going against a negative balance and I got hit with 6 overdraft charges of 30 bucks each. $180.00 bucks total in overdraft charges alone.

Now I have to call the website, if they ever answer... visit the bank in the morning (I'm supposed to sleep at that time, I'm a night shifter), go through all the drama... I hate this.

From my research, it seems that now all banks operate like this, hiding charges for days just to post them later with an old date and screw you over really good.
RubenX is offline  
Old 08-29-08, 04:08 AM
  #2  
artifice
superArti
 
artifice's Avatar
 
Join Date: Apr 2008
Location: Minnersoter
Posts: 1,056

Bikes: 2007 Fuji Professional 2.0, 2009 GTw Avalanche 2.0

Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 1 Post(s)
Likes: 0
Liked 0 Times in 0 Posts
ack. yeah they're hoping you will just roll over on it and eat those charges, so good for you for going in to fight it (sorry to hear those are your snoozin hours, though).
artifice is offline  
Old 08-29-08, 04:10 AM
  #3  
StrangeWill
Senior Member
 
StrangeWill's Avatar
 
Join Date: Jun 2007
Location: Fallbrook, CA.
Posts: 1,109
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times in 0 Posts
I think if people would walk in and stick one of the desk jobs at the corporate office in the neck with a pen they'd stop doing that.
StrangeWill is offline  
Old 08-29-08, 04:16 AM
  #4  
Myqul
Senior Member
 
Join Date: Jul 2008
Posts: 184
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times in 0 Posts
Over here in the UK we have a bloke who's always on TV railing against banks and bank charges. He spearheads the campaign for ordinary people to get their money back of the theiving B-stards. He's Ace

https://www.moneysavingexpert.com/reclaim/

Dunno if theres anything like it in the US
Myqul is offline  
Old 08-29-08, 04:20 AM
  #5  
linux_author
370H-SSV-0773H
 
linux_author's Avatar
 
Join Date: May 2005
Location: Penniless Park, Fla.
Posts: 2,750

Bikes: Merlin Fortius, Specialized Crossroads & Rockhopper, Serotta Fierte, Pedal Force RS2

Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times in 0 Posts
Originally Posted by RubenX View Post
I subscribed to an online gaming site for my son.
????

i don't have any children, but seriously, i don't understand why you would do this?

btw, never, never, never, never give a third party access to any of your credit or bank accounts - never! it's a bad, bad, bad, bad idea!
linux_author is offline  
Old 08-29-08, 04:26 AM
  #6  
StrangeWill
Senior Member
 
StrangeWill's Avatar
 
Join Date: Jun 2007
Location: Fallbrook, CA.
Posts: 1,109
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times in 0 Posts
Originally Posted by linux_author View Post
????

i don't have any children, but seriously, i don't understand why you would do this?

btw, never, never, never, never give a third party access to any of your credit or bank accounts - never! it's a bad, bad, bad, bad idea!
So.... never use them?

Unless you're assuming he gave the kid his card, in which case when games expire I delete my card info from the site too.


I never had an issue, but I've always found the security around debit cards to be horribly lacking, especially considering all the automated computer systems, programmers looking for work, and card theft there is.
StrangeWill is offline  
Old 08-29-08, 05:15 AM
  #7  
timmyquest
Banned.
 
timmyquest's Avatar
 
Join Date: May 2005
Location: Woodstock
Posts: 5,761
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times in 0 Posts
Originally Posted by linux_author View Post
????

i don't have any children, but seriously, i don't understand why you would do this?

btw, never, never, never, never give a third party access to any of your credit or bank accounts - never! it's a bad, bad, bad, bad idea!
So...then...what exactly is the point of having them?
timmyquest is offline  
Old 08-29-08, 05:21 AM
  #8  
artifice
superArti
 
artifice's Avatar
 
Join Date: Apr 2008
Location: Minnersoter
Posts: 1,056

Bikes: 2007 Fuji Professional 2.0, 2009 GTw Avalanche 2.0

Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 1 Post(s)
Likes: 0
Liked 0 Times in 0 Posts
in college I had an issue with someone getting a hold of my card number and making fraudulent charges. at the time I was informed by the fraud officer not to utilize my debit card for online purchases (I'd made a couple). Don't recall the reasoning behind it (maybe they aren't as secure? and i think it may be more of a hassle and less protection in those instances?).... but from then on I've only used my CC for online purchases.
artifice is offline  
Old 08-29-08, 05:21 AM
  #9  
apricissimus 
L T X B O M P F A N S R
 
apricissimus's Avatar
 
Join Date: Jun 2008
Location: Malden, MA
Posts: 2,334

Bikes: Bianchi Volpe, Bianchi San Jose, Redline 925

Mentioned: 2 Post(s)
Tagged: 0 Thread(s)
Quoted: 1640 Post(s)
Likes: 0
Liked 0 Times in 0 Posts
Originally Posted by linux_author View Post
????

i don't have any children, but seriously, i don't understand why you would do this?
I think in this case "gaming" probably does not = "gambling". (Is that what you were thinking?)

At least I hope not.
apricissimus is offline  
Old 08-29-08, 05:22 AM
  #10  
Lithuania
Oh The Huge Manatee
 
Lithuania's Avatar
 
Join Date: Feb 2006
Location: mabra
Posts: 4,528
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times in 0 Posts
ugh i hate places that automatically renew crap for your convenience!
Lithuania is offline  
Old 08-29-08, 07:01 AM
  #11  
Tude 
Blasted Weeds
 
Tude's Avatar
 
Join Date: Aug 2006
Location: Rochester, NY
Posts: 1,182

Bikes: Trek 1200C, Specialized Rockhopper, Giant Yukon FX, Giant Acapulco

Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times in 0 Posts
Originally Posted by apricissimus View Post
I think in this case "gaming" probably does not = "gambling". (Is that what you were thinking?)

At least I hope not.
yeah I would imagine - that could mean like warcraft etc.
__________________
Tude is offline  
Old 08-29-08, 07:09 AM
  #12  
Psydotek
Body By Nintendo
 
Psydotek's Avatar
 
Join Date: Sep 2006
Location: Videogames ruined my life. Good thing i have 2 extra lives.
Posts: 3,187

Bikes: Giant TCR2, Giant TCX, IRO BFSSFG SE, Salsa Casseroll, IRO Rob Roy.

Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times in 0 Posts
The reason you should never use a debit card to make purchases is because it's essentially a direct line to your $$$. If anyone steals the number and starts making purchases, it comes directly out of your account and most banks will give you a really really really hard time about replacing your money regardless of their policy of "protecting" you in such an event.

If you use a credit card you essentially have an extra buffer layer to soak up those charges. If you're a customer in good standing, most credit card companies will bend over backwards to fight fradulent charges for you and remove them from your statement.
__________________

Originally Posted by jsharr View Post
A girl once asked me to give her twelve inches and make it hurt. I had to make love to her 3 times and then punch her in the nose.
Psydotek is offline  
Old 08-29-08, 07:21 AM
  #13  
StanSeven
Administrator
 
Join Date: Feb 2005
Location: Delaware shore
Posts: 13,415

Bikes: Cervelo C5, Guru Photon, Waterford, Specialized CX

Mentioned: 15 Post(s)
Tagged: 0 Thread(s)
Quoted: 894 Post(s)
Liked 868 Times in 631 Posts
Unless someone has really poor credit, I have no idea why people use debit cards. The instances people cited above are perfect examples why. Get a no cost credit card that pays benefits (cash rebates, gas credit, miles, etc.) and pay the balance off every month. You come out way ahead like getting 1.5% cash back on everything you purchase.
StanSeven is offline  
Old 08-29-08, 07:48 AM
  #14  
black_box 
Fax Transport Specialist
 
black_box's Avatar
 
Join Date: May 2008
Location: chicago burbs
Posts: 977

Bikes: '17 giant propel, '07 fuji cross pro, '10 gary fisher x-caliber

Mentioned: 3 Post(s)
Tagged: 0 Thread(s)
Quoted: 280 Post(s)
Liked 118 Times in 78 Posts
discover card FTW. keeping some cash in the checking account as a buffer might be a good idea too, probably save you a few phone calls w/ the bank in this case.
black_box is offline  
Old 08-29-08, 07:56 AM
  #15  
flyingscotsman
Nothing here to see!!!!!!
 
flyingscotsman's Avatar
 
Join Date: Aug 2004
Location: Charlotte
Posts: 489
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 2 Post(s)
Likes: 0
Liked 0 Times in 0 Posts
I cannot stress this enough debit cards are bad, at least with a credit card you have time to fix it before you have pay it.

Witha debit card they can empty your bank account just like that.
flyingscotsman is offline  
Old 08-29-08, 07:56 AM
  #16  
timmhaan
more ape than man
 
timmhaan's Avatar
 
Join Date: Nov 2003
Location: nyc
Posts: 8,091
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 4 Post(s)
Likes: 0
Liked 2 Times in 1 Post
Originally Posted by Lithuania View Post
ugh i hate places that automatically renew crap for your convenience!
yep! i'm been "renewed" automatically before with active.com against my wishes. i'll never buy a membership with those kinds of terms again.

renewing, ongoing, continuing, etc. are all words that should raise a red flag.
timmhaan is offline  
Old 08-29-08, 07:59 AM
  #17  
timmhaan
more ape than man
 
timmhaan's Avatar
 
Join Date: Nov 2003
Location: nyc
Posts: 8,091
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 4 Post(s)
Likes: 0
Liked 2 Times in 1 Post
getting down to $25 bucks in an account is waaaaaaay too low ruben!
timmhaan is offline  
Old 08-29-08, 08:05 AM
  #18  
trsidn 
Jeff Vader
 
trsidn's Avatar
 
Join Date: Jul 2007
Location: Putting the 'fun' in dysfunctional
Posts: 383

Bikes: Cannondale CAAD8, Trek SU200

Mentioned: 3 Post(s)
Tagged: 0 Thread(s)
Quoted: 1045 Post(s)
Liked 22 Times in 18 Posts
Don't use your debit card for online transactions.
__________________
We are all a litter of piglets in the barn fire of life - Piney McKnuckle
trsidn is offline  
Old 08-29-08, 08:05 AM
  #19  
DataJunkie
Senior Member
 
Join Date: Oct 2005
Posts: 14,277
Mentioned: 1 Post(s)
Tagged: 0 Thread(s)
Quoted: 1 Post(s)
Likes: 0
Liked 2 Times in 2 Posts
Then you have my wife how takes credit cards as a license to spend money without any recourse. No thanks. I know debit cards have issues but the alternative is far worse. That being said I never use mine online. I send money to my credit card and then order an item. Speaking of which I need to order my fenders today.
DataJunkie is offline  
Old 08-29-08, 08:06 AM
  #20  
deraltekluge
Senior Member
 
deraltekluge's Avatar
 
Join Date: Sep 2006
Posts: 1,195

Bikes: Kona Cinder Cone, Sun EZ-3 AX

Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times in 0 Posts
getting down to $25 bucks in an account is waaaaaaay too low ruben!
And making six transactions for a total of less than $10 is kind of strange, too. Coins and currency are still legal, ya know.
deraltekluge is offline  
Old 08-29-08, 08:17 AM
  #21  
black_box 
Fax Transport Specialist
 
black_box's Avatar
 
Join Date: May 2008
Location: chicago burbs
Posts: 977

Bikes: '17 giant propel, '07 fuji cross pro, '10 gary fisher x-caliber

Mentioned: 3 Post(s)
Tagged: 0 Thread(s)
Quoted: 280 Post(s)
Liked 118 Times in 78 Posts
Originally Posted by DataJunkie View Post
Then you have my wife how takes credit cards as a license to spend money without any recourse. No thanks. I know debit cards have issues but the alternative is far worse. That being said I never use mine online. I send money to my credit card and then order an item. Speaking of which I need to order my fenders today.
a few swings with the Bat of Financial Knowledge might help here. or give her a separate card with a low limit.
black_box is offline  
Old 08-29-08, 08:22 AM
  #22  
DataJunkie
Senior Member
 
Join Date: Oct 2005
Posts: 14,277
Mentioned: 1 Post(s)
Tagged: 0 Thread(s)
Quoted: 1 Post(s)
Likes: 0
Liked 2 Times in 2 Posts
She is bipolar. Nothing helps but restricting her from the finances. Even then she goes out and opens 4 credit cards, proceeds to max them out, and I pound my head into a wall.
DataJunkie is offline  
Old 08-29-08, 08:31 AM
  #23  
JoelS
Senior Member
 
Join Date: Jun 2008
Location: Near Sacramento
Posts: 4,886
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 2 Post(s)
Likes: 0
Liked 0 Times in 0 Posts
Online shopping = credit card. More protection with a credit card. Just pay it off at the end of the month. It's a LOT safer.
__________________
-------

Some sort of pithy irrelevant one-liner should go here.
JoelS is offline  
Old 08-29-08, 08:51 AM
  #24  
phillypino215
Senior Member
 
Join Date: Jul 2008
Posts: 110
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 3 Post(s)
Likes: 0
Liked 0 Times in 0 Posts
i never trust anyone with access straight to my funds. credit card for all purchases for me. 250 rewards check every couple of months is when i get to splurge on stuff i dont need.
phillypino215 is offline  
Old 08-29-08, 09:08 AM
  #25  
Rex G
Senior Member
 
Rex G's Avatar
 
Join Date: Sep 2004
Location: Bellaire TX USA
Posts: 825

Bikes: Bianchi Alloro, Veloce, San Remo, Pista; Rivendell Canti Rom; Zinn custom

Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Liked 1 Time in 1 Post
Unfortunately, automatic renewal has become the norm lately for many types of subscriptions. That is one reason I subscribe to almost nothing anymore. It seems to take several billing cycles to stop a subscription, once you manage to get their attention. I don't auto-renew anything with my checking account.

I don't use debit cards. I still have a regular ATM card, and if funds are not there, no transaction happens. I have been told that my ATM card will eventually be useless, but until that day, I refuse to have a debit card. I use an American Express card for most stuff, and cash for most of the rest. A plain green American Express card must be paid off on a month-to-month basis. Mine has a limit, which they calculate based on, I believe, my annual income, but a lower limit setting might be available if one asks.
__________________
Have Colt, will travel...
Rex G is offline  

Thread Tools
Search this Thread

Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell My Personal Information -

Copyright 2021 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.