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Old Today, 07:47 AM  
Mr. Wizard Mr. Wizard is offline
"I'm with you fellers"
 
Join Date: Oct 2008
Debit card issue

So I had to get a new debit card. It works about half the time. Say declined the other half. Lots of money in the account. Credit union says nothing is wrong. I end up having to use my backup credit card instead. Any of you ever had this issue?
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Old Today, 08:41 AM   #16
ChiliConCarnage ChiliConCarnage is offline
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Quote:
Originally Posted by JimNasium View Post
Jungle Law.
Yup, wife is cheating on him. Debit card never lies. Sorry, Mr. W
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Old Today, 08:41 AM   #17
scho63 scho63 is online now
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Join Date: Feb 2009
Location: Scottsdale, AZ
Quote:
Originally Posted by DaFace View Post
Nah, mine was declining. Got a replacement, and no issues since.
The card readers that did this to me would beep multiple times and Chip Malfunction would appear or Card Reader Error.

Never heard a decline since that would mean card was read.

Strange.....
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Old Today, 08:48 AM   #18
old_geezer old_geezer is online now
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Join Date: Mar 2001
Location: Windsor, Mo.
There's also a chance the machine reading the card is bad. I shop at my local Wal-Mart for most of my groceries. There are two machines in the store that will not accept my card but the others will. Just yesterday I wasn't thinking and used one of the machines that won't accept it. The lady that helped me was astounded when I just switched to the machine next to mine and my card worked perfectly.
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Old Today, 09:04 AM   #19
2bikemike 2bikemike is offline
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Location: NWA
My PSA advice, never ever use a debit card except to take cash from an ATM.
Our number got stolen in a Home Depot hack several years ago. Someone used that number to make about $1600 dollars worth of purchases. That's money right out of.your checking account. Fortunately for.us we had more than enough in the account to cover other bills. But if you don't it will create a whole other set of issues.

Sure the bank is required to replace your stolen funds but it is not instantaneous. With a credit card that's the card issuers money and it's their problem.
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Old Today, 09:06 AM   #20
Jewish Rabbi Jewish Rabbi is online now
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Originally Posted by scho63 View Post
Security blocks.

Wells Fargo does it to me when I make an unusual and large purchase. Have to call to lift.
Damn how awkward is it calling Wells Fargo every time you buy a hooker
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Old Today, 09:10 AM   #21
BigRedChief BigRedChief is online now
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Quote:
Originally Posted by Mr. Wizard View Post
So I had to get a new debit card. It works about half the time. Say declined the other half. Lots of money in the account. Credit union says nothing is wrong. I end up having to use my backup credit card instead. Any of you ever had this issue?
I still have a debit card but I've changed over to using a Delta American Express card. I've already have enough points to fly a round trip to Europe first class.

Of course the drawback is if you don't pay the balance every month, you'll pay 29.99% interest. As long as you have sufficient cash flow, its a great deal.
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Old Today, 09:43 AM   #22
Rain Man Rain Man is online now
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Join Date: Jul 2001
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Quote:
Originally Posted by Mr. Wizard View Post
So I had to get a new debit card. It works about half the time. Say declined the other half. Lots of money in the account. Credit union says nothing is wrong. I end up having to use my backup credit card instead. Any of you ever had this issue?
Your card is working fine for me. But I mostly make small purchases that you won't notice.
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Old Today, 09:46 AM   #23
digger digger is offline
Thread I will end you.......
 
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Use the credit card for all you purchases, pay the card off monthly... win win...
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Old Today, 09:52 AM   #24
neech neech is online now
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Quote:
Originally Posted by Rain Man View Post
Your card is working fine for me. But I mostly make small purchases that you won't notice.
10 dollars here and twenty dollars there, people don't pay attention to those charges.

I did have someone write a check for over 4,600 dollars a couple weeks ago.

My bank caught it thankfully. I wonder how they get your checking numbers anyway?
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Old Today, 09:54 AM   #25
BigRedChief BigRedChief is online now
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Quote:
Originally Posted by digger View Post
Use the credit card for all you purchases, pay the card off monthly... win win...
I was surprised how fast the points pile up if you use it to pay for your every day purchases.
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Old Today, 10:04 AM   #26
Bearcat Bearcat is offline
Would an idiot do that?
 
Join Date: Nov 2000
Location: Arizona
Quote:
Originally Posted by 2bikemike View Post
My PSA advice, never ever use a debit card except to take cash from an ATM.
Our number got stolen in a Home Depot hack several years ago. Someone used that number to make about $1600 dollars worth of purchases. That's money right out of.your checking account. Fortunately for.us we had more than enough in the account to cover other bills. But if you don't it will create a whole other set of issues.

Sure the bank is required to replace your stolen funds but it is not instantaneous. With a credit card that's the card issuers money and it's their problem.
Yeah, I've had a Chase credit card for several years and they're amazing... one morning got an alert about a big purchase at Best Buy that I didn't make, and they close the card and sent a new one, no questions asked. Hell, I put 50% down on a new HVAC and the damn company went out of business before the install... and I got my money back from Chase faster than the contractor's association. Even if I didn't get reward points, I'd use a credit card just for that convenience (and maybe one day they'll figure it the **** out and go MFA or something).

I just wouldn't have the same faith in a bank, and like you said, the money is just gone at that moment.

I also have a separate money market account tied to my checking, so I only keep enough to pay the bills and smaller purchases in the checking account... and then I can transfer from money market instantly online if needed. That's at least one way to 'hide' money in case your debit info gets stolen.
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Old Today, 10:22 AM   #27
BlackHelicopters BlackHelicopters is offline
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Get a new card.
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Old Today, 11:42 AM   #28
Mosbonian Mosbonian is offline
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Join Date: Aug 2000
Quote:
Originally Posted by scho63 View Post
No, that reads as CHIP MALFUNCTION.

If you have a card that is used alot, the chip gets worn down and dirty. The card reader doesn't get full info.

A decline is a money or security issue.
Not always.....I had a debit card that would always decline at Walmart but it would work everywhere else..

Sometimes it is the merchant issue.
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Old Today, 11:46 AM   #29
Mosbonian Mosbonian is offline
On Hiatus
 
Join Date: Aug 2000
Quote:
Originally Posted by digger View Post
Use the credit card for all you purchases, pay the card off monthly... win win...
That's what I do for the most part now...I just use my debit card at Walmart occasionally so that it doesn't get locked for lack of use.
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Old Today, 12:09 PM   #30
scho63 scho63 is online now
Politically Incorrect
 
Join Date: Feb 2009
Location: Scottsdale, AZ
Quote:
Originally Posted by Jewish Rabbi View Post
Damn how awkward is it calling Wells Fargo every time you buy a hooker
Can you come up with anything other than that?
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