Originally Posted by AlexS
My debit card has the visa symbol on it. But I don't get a bill for it, the money comes straight out of my account immediately. If I don't have the funds in my account the card is declined. I am not sure why they call it a credit card, as it isn't really - it's a debit card. But when I am asked at a check out, I can use either credit - so I sign, or debit so I put in my PIN.
The reason I asked, I had my debit card copied(?) while back when I was using it in stores (I never used it to pay over Internet). Not sure where and how it happened, but someone used the number, name, etc. from the card to buy stuff over Internet from my checking account twice. Thankfully the person in 2nd Internet store got too suspicious and reported to my bank that blocked the card and called me. But it wasn't very pleasant to go to the branch trying to get my $500 or so back (because 1st transaction went through).
Yes, I agree debit card works similar to credit card, however in a case of fraud I much rather prefer to deal with credit one, then my own funds. :)