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Old 05-13-2011, 01:35 PM   #621
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Originally Posted by taxlady View Post
I don't know how debit cards work in the US, but don't you have to enter your PIN every time they make a charge? You do in Canada. I would be concerned about how two payments were charged. In Canada it would mean that my card had been swiped, then I entered my PIN and then the whole procedure done again. Or, it would mean that someone had duplicated my card and stolen my PIN.
It was a payment made over the phone, not in person. Their offices don't take payments. You have to call their payment line or send a check, so they had all of my card information. In the US at least, they typically run debit cards in situations like these as a credit card. As long as they have a major credit card logo, it's possible, and very common. I pay bills over the phone and online all the time and I'm never asked for my pin. Just the card number, expiration date, billing zip code, and 3-digit security code on the back of the card. If you've ever paid a bill at a restaurant with your debit card to the server, and they didn't have a portable machine in hand that allowed you to enter your pin, the payment was processed as a credit card. The CC companies typically charge the business a few cents more for each transaction run as credit instead of debit, and it takes an extra day to post to your bank account, but it works pretty much the same, sans pin. That's why you have to sign a slip at a restaurant. You don't have to sign anything if you use your pin and it's run as a debit card.
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Old 05-13-2011, 02:03 PM   #622
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Originally Posted by CWS4322 View Post
I'd have to swipe and enter my PIN for each...I don't even know how I'd ever use my card without me being present and swiping it...can that be done in Canada?
To the best of my knowledge, it cannot be done in Canada.
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Old 05-13-2011, 02:13 PM   #623
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If the card has a Mastercard, Visa etc brand the merchant does not know it is a debit card and no pin should be needed.
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Old 05-13-2011, 02:15 PM   #624
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To the best of my knowledge, it cannot be done in Canada.
In some ways, that would be a huge pain in my butt. I buy several things of my regular houshold items online and I would hate not being able to use my debit card to do it. If you shop online in Canada you have to use a credit card then? I guess it wouldn't be that bad, as long as you make sure you transfer the funds from your checking account to the credit card as soon as it posts, but still, it would be a pain.
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Old 05-13-2011, 02:18 PM   #625
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In some ways, that would be a huge pain in my butt. I buy several things of my regular houshold items online and I would hate not being able to use my debit card to do it. If you shop online in Canada you have to use a credit card then? I guess it wouldn't be that bad, as long as you make sure you transfer the funds from your checking account to the credit card as soon as it posts, but still, it would be a pain.
It is a bit of a PITA. But, I feel a lot more comfortable that way. I'm not giving strangers access to my bank account. The CC companies are pretty good about reversing charges that you tell them you didn't make, I hear.
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Old 05-13-2011, 03:46 PM   #626
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When I place an order online for several items from say KMart, the total amount is authorized, but each item gets deducted as it ships, up to the total amount I authorized. No pin is required for these charges to my debit card when made online.
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Old 05-13-2011, 04:53 PM   #627
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I use a credit card specifically for on-line use. It has $300 limit which allows me to purchase most anything I can normally afford, yet if the info falls into the wrong hands, the damage is limited until I can get it straightened out with the credit card company.

I also keep close track of all purchases a couple times a week on all of my accounts.
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Old 05-13-2011, 06:32 PM   #628
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Originally Posted by Selkie View Post
I use a credit card specifically for on-line use. It has $300 limit which allows me to purchase most anything I can normally afford, yet if the info falls into the wrong hands, the damage is limited until I can get it straightened out with the credit card company.

I also keep close track of all purchases a couple times a week on all of my accounts.
Very reasonable way to be careful.
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Old 05-13-2011, 06:41 PM   #629
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My most recently issued bank card has "debit" and "visa" on it. I have no idea how to use the "visa" side of it since I have a separate visa card. I keep meaning to ask my bank about that "feature" but keep forgetting. I buy prepaid visas for Internet transactions or use my paypal account (funds in that are from work I do and have been paid by paypal).
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Old 05-13-2011, 06:47 PM   #630
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Originally Posted by CWS4322 View Post
My most recently issued bank card has "debit" and "visa" on it. I have no idea how to use the "visa" side of it since I have a separate visa card. I keep meaning to ask my bank about that "feature" but keep forgetting. I buy prepaid visas for Internet transactions or use my paypal account (funds in that are from work I do and have been paid by paypal).
Let us know when you find out. Neither of my recently issued bank cards has Visa on them. Which bank?

I have to laugh at Canadian Tire MC. They have arrangements with some internet sites that you have to give your password to do a transaction with your CT MC. But, they put PayPass on the card without asking. That can be read by some scam artist while it's in your wallet.
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