Go Back   Computer Forums > Welcome To Computer Forums .org > Social Lounge | Off Topic
Click Here to Login
Join Computer forums Today


Reply
 
Thread Tools Search this Thread Display Modes
 
Old 04-01-2009, 03:47 PM   #1
(╯□)╯︵ ┻━┻
 
Teny's Avatar
 
Join Date: Dec 2006
Location: United States
Posts: 5,957
Default Question about a Debit Card

I opened an Chase checking account last Monday, and got my card on the Monday of this week. On the card it says "Debit", which is what I wanted, and I dont think I can even have an Credit Card since I dont have any credit and dont want people to cosign.
Yesterday, I bought an make up pencil sharpener for my mom, which comes out to $1.02 total, and when I used my card, it asked for my Pin Number.
Today, I went to Mcdonalds to eat, and used my card again, but this time, it didnt ask for anything, it just approved right away. That normal?

Since its a debit card, does that mean it will always withdraw from my account right away?
and not do what credit cards do where it uses money thats not mine and then withdraw at the end of the month?
__________________

__________________
Desktop -Cooler Master NV690/AMD Phenom II X4 965 BE/MSI 880G-E45 Motherboard/2 x 2GB DDR3 G.Skill Ripjaws X/Sapphire HD 5870 1GB GDDR5/CORSAIR CMPSU-550VX/Seagate 7200.12 500GB (OS), Samsung F3 1TB (Storage)/Sony DVD Burner/Windows 7 Professional 64-bit
Teny is offline   Reply With Quote
Old 04-01-2009, 03:53 PM   #2
In Runtime
 
maroj248's Avatar
 
Join Date: Nov 2007
Posts: 142
Default Re: Question about a Debit Card

I think it varies, on what stores you use your card at. At my bank, when I use my debit to purchase something, the money isn't takin out until a few days later.
__________________

maroj248 is offline   Reply With Quote
Old 04-01-2009, 04:30 PM   #3
Daemon Poster
 
PokerDegenerate's Avatar
 
Join Date: Dec 2008
Posts: 1,465
Default Re: Question about a Debit Card

when it doesn't ask for a pin number the cashier ran the card as a credit card which doesn't require a pin number but the charges will all come out of your account. the difference is that the credit charges usually come out a little later than the debit card purchases do so make sure that you keep an eye on your funds, balances, and purchases to make sure you don't over draw your account. Most of the time you make a purchase with a card the cashier will ask you debit or credit and you can choose either one even though it is a debit card. Usually with credit purchases it requires a signature but not always.
__________________
Raidmax Smilodon Extreme Black Case -|-AMD Phenom II x4 955 BE @ 3829.50 Mhz (18.5 x 207, vcore 1.424, NB 2600 mhz, HT link 2200 mhz) -|- Xigmatek Dark Knight S1283V -|- Gigabyte MA790XT-UD4P Mobo -|- G. Skill 6Gb (3 x 2Gb) DDR3 1333 RAM 7-7-7-18-2t -|- WD Caviar 7200 RPM 1 TB HDD -|- OCZ GameXtreme 700W -|- Radeon 4870 1Gb @ 780/1050 -|- Asus VW202NR 20" wide-screen -|- Windows 7 Professional 64 Bit -|- Saitek Cyborg Keyboard -|- Razer Lachesis Mouse
PokerDegenerate is offline   Reply With Quote
Old 04-01-2009, 04:31 PM   #4
Fully Optimized
 
tom-knox's Avatar
 
Join Date: Jun 2007
Posts: 2,451
Send a message via MSN to tom-knox
Default Re: Question about a Debit Card

The money will only come out of your bank account yes, unless you go into your overdraft (which if you don't have credit your unlike to have). But as Maro said the different stores will submit their bank records at different times. Buy something on saturday and you might not be charged till Monday/Tuesday (depending on processing time) but when the charge does come it'll come out your bank account.
__________________
New laptop:
2.1 Ghz Core 2 Duo processor :: nVidia GT150m :: 15.6" HD LCD :: 4gb RAM :: 320gb HDD

New player: iPhone 4 32gb
tom-knox is offline   Reply With Quote
Old 04-01-2009, 07:36 PM   #5
(╯□)╯︵ ┻━┻
 
Teny's Avatar
 
Join Date: Dec 2006
Location: United States
Posts: 5,957
Default Re: Question about a Debit Card

yeah, I write down everything I spent so far on my checkbook.
I go online to check my account once in awhile, but I only do that at home since it seems safer.
__________________
Desktop -Cooler Master NV690/AMD Phenom II X4 965 BE/MSI 880G-E45 Motherboard/2 x 2GB DDR3 G.Skill Ripjaws X/Sapphire HD 5870 1GB GDDR5/CORSAIR CMPSU-550VX/Seagate 7200.12 500GB (OS), Samsung F3 1TB (Storage)/Sony DVD Burner/Windows 7 Professional 64-bit
Teny is offline   Reply With Quote
Old 04-02-2009, 12:18 PM   #6
Site Team
 
David Lindon's Avatar
 
Join Date: Dec 2002
Posts: 15,233
Default Re: Question about a Debit Card

Yeah a debit card will always 'debit' the money straight away
__________________
[url=http://www.LNXPS.NET]LNXPS.NET - The XPS Library]
David Lindon is offline   Reply With Quote
Old 04-02-2009, 01:20 PM   #7
Daemon Poster
 
nevermind1534's Avatar
 
Join Date: Oct 2008
Posts: 754
Default Re: Question about a Debit Card

You might be able to get a credit card that you can spend around $300 or less on. Make sure you read up on all of the fees for your debit card, so you can figure out how to get as few fees as possible.
__________________
Your PC Forums - yourpcforums.org
nevermind1534 is offline   Reply With Quote
Old 04-02-2009, 07:27 PM   #8
Golden Master
 
Tommy Boy's Avatar
 
Join Date: Jul 2004
Location: USA
Posts: 8,463
Send a message via Yahoo to Tommy Boy
Default Re: Question about a Debit Card

You can get a credit card with a $500 credit limit, your dog could get one of those. If you don't have a job, just put "self employed" and a figure for how much you make. They won't care. Just make sure you don't get one with an outrageous interest rate.
__________________
When all else fails...Ham Radio!

I still have the same old HP DV9700T laptop I've had for years...still kickin'
Tommy Boy is offline   Reply With Quote
Old 04-02-2009, 10:51 PM   #9
(╯□)╯︵ ┻━┻
 
Teny's Avatar
 
Join Date: Dec 2006
Location: United States
Posts: 5,957
Default Re: Question about a Debit Card

Yeah... I want to avoid getting a credit card till I actually have a job or finished College.
I was just making sure that when I use my debit card and have money in the back, I wouldnt be using the money that isn't mine.

Do you guys know if we could use Debit on the vending machines? i didnt try it, but I saw one that says Cash or Credit, and didnt mention anything about debit. Then again, not many place does.
__________________
Desktop -Cooler Master NV690/AMD Phenom II X4 965 BE/MSI 880G-E45 Motherboard/2 x 2GB DDR3 G.Skill Ripjaws X/Sapphire HD 5870 1GB GDDR5/CORSAIR CMPSU-550VX/Seagate 7200.12 500GB (OS), Samsung F3 1TB (Storage)/Sony DVD Burner/Windows 7 Professional 64-bit
Teny is offline   Reply With Quote
Old 04-02-2009, 11:30 PM   #10
Daemon Poster
 
nevermind1534's Avatar
 
Join Date: Oct 2008
Posts: 754
Default Re: Question about a Debit Card

You can usually say credit with a debit card. Just try it and see if it works, I guess.
__________________

__________________
Your PC Forums - yourpcforums.org
nevermind1534 is offline   Reply With Quote
Reply

Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are Off



All times are GMT -5. The time now is 04:47 AM.


Powered by vBulletin® Version 3.8.8 Beta 4
Copyright ©2000 - 2017, vBulletin Solutions, Inc.
Search Engine Friendly URLs by vBSEO 3.6.0