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Question 1

How to cancel a pending transaction on a debit card?

Answer

If you use debit cards, you know a pending transaction. Indeed, it is a process that takes place between two systems (from your bank to the seller). Until the bank approves the transaction, the payment is pending. Even though such a process takes several seconds, you may waive the fee. If you want to cancel this process, tell the seller about it. You may do it if you promptly call your bank to resolve the problem. However, keep in mind that the vendor must confirm the cancellation of the transfer. On the other hand, scammers often make purchases with other people's cards. If you see a pending transaction that you did not make, contact the bank promptly. In this case, the bank will cancel the transaction and block the card to eliminate fraud.

Question 2

How old do you have to be to get a debit card?

Answer

The age of potential debit cardholders varies by the banks issuing them. For some banks, people of 13 years old qualify as eligible to receive a debit card if there is a parental person in charge of the operation. Other bank institutions issue their debit cards to people over the age of 15, and some banks don't consider persons under 16 years old as potential debit cardholders. In regard to debit cards, most banks set rules requiring a potential debit cardholder to be of the age of majority, i.e., 18 years old. In such cases, the involvement of a parent is deemed unnecessary.

Question 3

How to add a debit card to Apple Pay?

Answer

Adding a debit card to Apple Pay is an extremely easy process that will take only two minutes. You should open Settings and choose a section called Wallet. After that, you will see the option of registering a new card on your smartphone. Fill in all the information about a card manually or simply scan it using a camera. Check all the data and tap on the Next button. Wait a few seconds for your bank to confirm that this card is suitable for use. Fill in other data that your bank might ask for. Done! Enjoy the convenience of paying for goods without bringing your card everywhere with you.

Question 4

How to get money off a debit card online?

Answer

Unfortunately, it will not be possible to get cash on hand online because the money on the card is stored in cloud storage. In order to withdraw cash, you definitely need an ATM; use it by entering your PIN-code and click on the "cash withdrawal" button, then select the amount you need, and do not forget to pick them up. If there is no ATM near you, then in almost all places, there is the possibility of paying by card, where cash is not needed. And if you need to give money to another person, then use an Internet banking application to quickly transfer money to another card.

Question 5

How to transfer money from a debit card to a prepaid card?

Answer

Cards with a stored value are very different from the usual debit cards. Talking about the regular ones, your money is kept in a private account of your bank. A debit card is a key for using these funds. Prepaid cards comprise an encrypted amount on a special anonymous account, while the debit card is recorded in the name of the owner. But sending a particular sum is no different from the usual one. It is important whether your bank has the possibility of such an operation. Ask the specialists in your bank about this option. And be sure to find out the commission that banks charge for the transfer. Knowing this, you should not have any problems with your money being sent and received.

Question 6

How can someone use your debit card without the card?

Answer

Some people believe that it is impossible to use a card without knowing a PIN and a card number. However, the majority of people are unaware that a full card number is not only written on a card itself but on every receipt that you receive after completing an offline transaction. If you do not tear this paper apart or keep it in your wallet, fraudsters will use this opportunity to steal your money. Moreover, they do not even need to know a PIN to use a debit card. So always be careful and do not reveal your card's data.

Question 7

How to use a debit card without a pin?

Answer

In some situations, using a PIN code may not be convenient, and you may want to use your card without it. The use of a debit card without a pin code is possible in some cases. First, some establishments, such as restaurants, may ask you to sign an invoice rather than enter a code. And other organizations such as shops may not ask you to enter a code when making small purchases. Also, when purchasing, some devices may ask you to select "credit" or "debit". If you choose the second option, you will need to enter a code, but if you choose the first one using a debit card, you will be asked to sign the check.

Question 8

How to change pin for a debit card?

Answer

When you receive a new debit card, you will get a set of documents to go with it. One of such papers will contain a short row of digits that is extremely important when it comes to making money transactions with your card. Those digits are your card's PIN. What's a PIN? A PIN is a four-digit code that you need to be able to use a debit or a credit card. The principle is simple: each time you're making a transaction, the system will require you to enter a PIN to make sure that you are the legal owner of the card. Some systems will not require a PIN if the sum is under a certain amount. For large sums, however, entering a PIN is always necessary. Without this code, you will not be able to make payments, deposit, or withdraw funds from your card. If your card gets stolen, it will be of no use to a perpetrator without the PIN, as well. With that said, any cardholder must follow two simple rules in terms of a PIN. The first one is to keep it secret. The second one is to try not to forget it. However, sometimes y

Question 9

How to find your pin number for a debit card?

Answer

Don't rely on a financial institution to help you recover your password, as they don't have this information. All institutions are guided by the principle that this kind of information is inaccessible to their employees. And no one will extract your digits from the encrypted program either. Try looking for an envelope. When you are given a new plastic carrier at the branch, you receive it in an envelope with a special printout that has the PIN code on it. Check all your papers and important records, as 90% of us don't throw away such documents. You will then have to apply for a new card. There is no application for a different code at any institution. If you are unable to remember and find out the PIN code of your bank card, you have to apply for a new one, with a new number, expiration date, and, of course, a new secret set of digits. This is a chargeable procedure and takes around 7-10 days, but unfortunately, you have no other option.

Question 10

How to use a debit card without a pin?

Answer

While using a pin is to protect your card, for some reason, you may want to use it without a code. This is possible in some situations. For instance, in many shops and other establishments, when paying, the terminal may ask you to select the "debit" or "credit" option after you have entered your card. If you choose the second option, the device will ask for your signature but not for the PIN code. The signature must match the one on the back of the card. Some small shops do not ask for a code for small purchases. And restaurants often require your signature on the receipt rather than entering a code on the terminal.

Question 11

How to get a debit card for PayPal® ?

Answer

PayPal® debit card acts as the usual card purchased in some banks. Before applying for it, don't forget to create yourself an account in PayPal® . Google for a PayPal® website, open it and find there a button that will send you to the page of getting the card. In there, the current phone and social security number, date of birth should be filled in. You will also need to have a verified home address. The beauty of a PayPal® card is that it doesn't require any service payments from you, but its functionality is the same.

Question 12

What is the difference between a credit and a debit card?

Answer

A debit bank card acts as a personal account, where its owner's money is kept. For example, wages can be transferred to it, and the amount of withdrawal is limited to the limit of available funds on the account. Also, on the account of a card, you can deposit or withdraw cash. It can pay for online purchases and stores that accept payment online. You can also transfer funds to other banks via SMS, mobile application, or personal account on the website. A credit card is also can be used to make purchases and withdraw cash from ATMs or the bank itself. But the credit card gives more financial freedom to its owner: it allows you to travel, buy desirable things and gifts even when you don't have money of your own by the amount lent to you by the bank.