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debit card chargeback

yamobile
yamobile Posts: 13 Forumite
in Credit cards
i got a debit card from my bank account. just a question:
debit card is like credit cards in chargebacks ? or i have to protect my debit card info ?
«1

Comments

  • Alex_LS
    Alex_LS Posts: 197 Forumite
    You have to protect all your card info - credit or debit. Negligence on your part leaves you liable for any fraud (technically). However, to answer the chargeback question, Visa Debit cards are protected by the Visa Debit Chargeback scheme. MasterCard debit cards (of whatever branding) do not benefit from similar protection.
  • yamobile
    yamobile Posts: 13 Forumite
    do you mean when fraud happen with my visa debit card i can chargeback ? completely ? :j
  • Alex_LS
    Alex_LS Posts: 197 Forumite
    See http://whatconsumer.co.uk/visa-debit-chargeback/
  • yamobile
    yamobile Posts: 13 Forumite
    edited 12 January 2010 at 11:24AM
    See whatconsumer.co.uk/visa-debit-chargeback/
    its says in UK more than £100 charges can be refunded. what about USA ? :confused:
  • yamobile
    yamobile Posts: 13 Forumite
    mastercard have same scheme ?
  • Alex_LS
    Alex_LS Posts: 197 Forumite
    No. MasterCard has no similar scheme.
  • dzug1
    dzug1 Posts: 13,535 Forumite
    10,000 Posts Combo Breaker
    yamobile wrote: »
    its says in UK more than £100 charges can be refunded. what about USA ? :confused:


    The USA has an entirely different set of rules - from the way some people there talk it seems that chargebacks can be requested for little or even no reason. (I suspect this is an exaggeration, but many Americans assert it)

    If you are asking about the USA you need to post on a USA site.
  • savagej
    savagej Posts: 1,158 Forumite
    edited 13 January 2010 at 10:18AM
    Have you read this one?

    http://www.meritcard.com/uploaded/files/MasterCard%20Chargeback%20Guide.pdf

    Like Visa, it also covers Mastercard Debit, Credit, Prepaid, Maestro (with some different rules) and Cirrus.
  • savagej
    savagej Posts: 1,158 Forumite
    edited 13 January 2010 at 10:26AM
    The Mastercard Europe chargeback guide was abolished and merged with the one above which now covers Mastercard Worldwide.

    Also, if the OP lives in the states their is generally "zero lilability" on all credit and debit card transactions which have hit your account that you did not make. It is the equivalent of our "first £50 rule", only in the US it is zero!
  • yamobile
    yamobile Posts: 13 Forumite
    what about American express dibit card ?
    they have same scheme ?
This discussion has been closed.
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