ATM Card vs. Debit Card
Author: milavant
Joined: 11 Nov 2003
Posts: 36
Posted: Fri Aug 20, 2004 2:50 pm
Post subject: ATM Vs. Debit Card
If you mainly use credit cards for purchases, which is safer to carry, an ATM card (for cash access) or debit card (with Visa logo), or does it matter?
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Author: mouse
Joined: 29 Jul 2004
Posts: 110
Posted: Fri Aug 20, 2004 8:01 pm
Post subject: Re: ATM Vs. Debit Card
milavant wrote:
If you mainly use credit cards for purchases, which is safer to carry, an ATM card (for cash access) or debit card (with Visa logo), or does it matter?
What is CASH??? What is DEBIT??? CREDIT CARD or NO SALE
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Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2256
Location: Illinois
Posted: Sat Aug 21, 2004 8:37 am
Myself I actually have a debt card, that can be used in an ATM machine if need be, but I try to avoid such transactions if fee will be added for using. Usually my debt card is processed like a credit card, not sure the difference there but that is what the clerks do most times. Should not that it is way to convenient how these can be used, and worry that if stolen, someone could figure out the pin number easily to start withdrawing cash on these things. So have to be careful to not loose these.
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Author: ALex
Joined: 14 Aug 2004
Posts: 24
Posted: Sat Aug 21, 2004 9:41 am
NightStar wrote:
Myself I actually have a debt card, that can be used in an ATM machine if need be, but I try to avoid such transactions if fee will be added for using. Usually my debt card is processed like a credit card, not sure the difference there but that is what the clerks do most times. Should not that it is way to convenient how these can be used, and worry that if stolen, someone could figure out the pin number easily to start withdrawing cash on these things. So have to be careful to not loose these.
If possible, I would like to another important thing to remember with ATM machine usage. There are a few times that you may be traveling and have an emergency and need immediate cash and you are far away from home. You FORGET your pin number and call the credit card company for your pin number and explain the situatin to them. Most Credit Card Companies have a VRU( Voice Reponse Unit) where you can get your pin number or change it to a different one. You have to call from your home or Business phone which is listed on your credit card. NO matter what you do the Customer service department of the Credit Card Companies will not give your pin # no matter what verication you give them because they do not have access to it.. Just remember to let your spouse or use a pin number that will be easy to remember if you get in a situation where you need immediate cash......
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Author: Cathy
Joined: 12 May 2003
Posts: 55
Posted: Sun Sep 05, 2004 10:45 am
As someone who has a debit card and as someone who works for a business I think it depends on the person as to which type of card is right for them. On the one hand, the visa/mc debit cards are more universally accepted, and would probably serve you better if you are travelling. Plus, a standard atm card MUST be swiped (I can only imprint the visa/mc ones). The visa/mc merchant rules are also supposed to apply to these cards. On the other hand, if a person always uses credit cards and for whatever reason don't plan on using an atm/debit card for puchases, then the atm card might be the better choice. Far as safety goes though, the 0% liability that visa and mastercard are supposed to also apply to the debit cards. I hope this helps!
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Joined: 11 Nov 2003
Posts: 36
Posted: Fri Aug 20, 2004 2:50 pm
Post subject: ATM Vs. Debit Card
If you mainly use credit cards for purchases, which is safer to carry, an ATM card (for cash access) or debit card (with Visa logo), or does it matter?
View our latest credit card ratings!
Author: mouse
Joined: 29 Jul 2004
Posts: 110
Posted: Fri Aug 20, 2004 8:01 pm
Post subject: Re: ATM Vs. Debit Card
milavant wrote:
If you mainly use credit cards for purchases, which is safer to carry, an ATM card (for cash access) or debit card (with Visa logo), or does it matter?
What is CASH??? What is DEBIT??? CREDIT CARD or NO SALE
View our latest credit card ratings!
Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2256
Location: Illinois
Posted: Sat Aug 21, 2004 8:37 am
Myself I actually have a debt card, that can be used in an ATM machine if need be, but I try to avoid such transactions if fee will be added for using. Usually my debt card is processed like a credit card, not sure the difference there but that is what the clerks do most times. Should not that it is way to convenient how these can be used, and worry that if stolen, someone could figure out the pin number easily to start withdrawing cash on these things. So have to be careful to not loose these.
View our latest credit card ratings!
Author: ALex
Joined: 14 Aug 2004
Posts: 24
Posted: Sat Aug 21, 2004 9:41 am
NightStar wrote:
Myself I actually have a debt card, that can be used in an ATM machine if need be, but I try to avoid such transactions if fee will be added for using. Usually my debt card is processed like a credit card, not sure the difference there but that is what the clerks do most times. Should not that it is way to convenient how these can be used, and worry that if stolen, someone could figure out the pin number easily to start withdrawing cash on these things. So have to be careful to not loose these.
If possible, I would like to another important thing to remember with ATM machine usage. There are a few times that you may be traveling and have an emergency and need immediate cash and you are far away from home. You FORGET your pin number and call the credit card company for your pin number and explain the situatin to them. Most Credit Card Companies have a VRU( Voice Reponse Unit) where you can get your pin number or change it to a different one. You have to call from your home or Business phone which is listed on your credit card. NO matter what you do the Customer service department of the Credit Card Companies will not give your pin # no matter what verication you give them because they do not have access to it.. Just remember to let your spouse or use a pin number that will be easy to remember if you get in a situation where you need immediate cash......
View our latest credit card ratings!
Author: Cathy
Joined: 12 May 2003
Posts: 55
Posted: Sun Sep 05, 2004 10:45 am
As someone who has a debit card and as someone who works for a business I think it depends on the person as to which type of card is right for them. On the one hand, the visa/mc debit cards are more universally accepted, and would probably serve you better if you are travelling. Plus, a standard atm card MUST be swiped (I can only imprint the visa/mc ones). The visa/mc merchant rules are also supposed to apply to these cards. On the other hand, if a person always uses credit cards and for whatever reason don't plan on using an atm/debit card for puchases, then the atm card might be the better choice. Far as safety goes though, the 0% liability that visa and mastercard are supposed to also apply to the debit cards. I hope this helps!
View our latest credit card ratings!
posted by CardRatings.com at 12:05 PM
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