did you all know its illegal for any business in the US to charge a fee for you to use a debit card?
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Never the best idea to use a debit card anyway, if you end up being the victim of fraud it can take quite a while for them to put the money back in your account. With a credit card they put a hold on the suspected fraud charges until they figure things out.
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Things change. I remember reading about this,recently, and found that "other" charges can be attached to a debit sale, is such a mess the Feds pretty much leave it up to the states. Was a recent court case, Florida,I think, where the federal court foud Florida's new law, preventing any surcharges or fees on a debit card, was illegal, and they had to stop it.
I almost always use my debit, so much safer. My bank uses a secondary security provider, in addition to looking at my purchases. I set a limit on purchases, 400 I think, anything over will not go through unless they can contact me by phone. Or, if it is a overseas purchase, or "seller" pops up on their "do not" or "doubtful" lists, same thing, no cash flow unless they can contact me. So, money never leaves account. Then, on top of that, someone at the bank looks at any high purchases, and out of state, and, "strange" ones. I can think of several instances, once, at a gas pump, out of state, debit was refused, but took credit, and, someone within the state, at a cable provider, used my "card", paid months worth of her own cable bills. She worked at the company,BUT, I am in mountains,there is no cable up here!!!!! Had to call the offending company, they called my bank, money was immediately reinstated. Both "local", as within the state. She was arrested and charged, I had to get new card (numbers). Offending company, and cops would not give me her name, address, etc, but I was prepared for a drive! But that is another story,LOL!
I almost always use my debit, so much safer. My bank uses a secondary security provider, in addition to looking at my purchases. I set a limit on purchases, 400 I think, anything over will not go through unless they can contact me by phone. Or, if it is a overseas purchase, or "seller" pops up on their "do not" or "doubtful" lists, same thing, no cash flow unless they can contact me. So, money never leaves account. Then, on top of that, someone at the bank looks at any high purchases, and out of state, and, "strange" ones. I can think of several instances, once, at a gas pump, out of state, debit was refused, but took credit, and, someone within the state, at a cable provider, used my "card", paid months worth of her own cable bills. She worked at the company,BUT, I am in mountains,there is no cable up here!!!!! Had to call the offending company, they called my bank, money was immediately reinstated. Both "local", as within the state. She was arrested and charged, I had to get new card (numbers). Offending company, and cops would not give me her name, address, etc, but I was prepared for a drive! But that is another story,LOL!
My bank (credit union) is great, I used my laptop in an airport once and someone got my card info from doing so, They used it on a few occasions and my band called me about it. I looked up the charges and knew they were not mine so they took care of all of it. I now use a VPN to stop that from happening when I travel. Thieves and losers all over the world that are too lazy to work so they steal instead. This country needs to get tougher laws on such matters in my opinion.
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