Ziay!
General Discussion Forum
Debit Card Question- Do I need money in the account to us it as a credit card?
This is a discussion on Debit Card Question- Do I need money in the account to us it as a credit card? within the General Chat forums, part of the Main Category category; I am trying to by something online, but I don't have the money in the account at this moment.......
| |||||||
| FAQ | Members List | Mark Forums Read |
07-14-2008, 11:13 PM
| #1 |
| Junior Member Join Date: Jul 2008
Posts: 1
| I am trying to by something online, but I don't have the money in the account at this moment....I just don't want to go to the bank and make a deposit ( to far) Is it DECLINING me becasue I don't have the moeny availble right now? thanks |
|  |
|
07-15-2008, 10:10 AM
| #2 |
| Junior Member  Join Date: Jun 2008
Posts: 2
|  I dont know how much you are trying to charge but the bank is doing you a huge favor by NOT letting that charge go thru. If it did you would get charged for NSF and/or overdraft. So if your purchase was $30.00 with overdraft that purchase could cost you $60.00. If you are too tired to make the deposit or go and put the money in the account then you do not need the item. Wait until you have the time to deposit the money to cover the purchase |
|
| |
|
07-15-2008, 05:20 PM
| #3 |
| Junior Member Join Date: Jun 2008
Posts: 2
| Some banks like ING Direct offer Overdraft Credit limits, but almost 95% of banks do not. Treat your debit card as if it were the part of a wallet or a purse where you keep your cash. Once that is empty, then you can't use it. The same goes for a debit card. Some banks like chase and bank of america will charge your debit card's overdraft fees to a credit card if you link them, but they charge for that, so you're better off just taking that exact credit card out and put the debit card away. |
|
| |
Linear Mode
