Debit card is tied directly to your bank account with no rollbacks. If somebody gets that info and decides to clean out your bank account, that money is gone, period, and you’ll never see it again.
With a credit card, you have a degree of separation and the ability to contest or roll back charges. Debit cards don’t do that.
Want to do a chargeback with American express or similar credit cards: call the toll free number and do it in less than 90 seconds, instantly approved
Want to do a chargeback with a debit card: you need to go to the police station and report the seller for fraud, then find the chargeback form hidden somewhere on the bank website, fill it and send it back together with the police fraud report via FAX (no email) to the bank, which might or might not approve it in 90 days. If it approves that, they will take a 30 euro fee from what you will get
You should never use a debit card online, though.
Why?
It works perfectly well for me.
Debit card is tied directly to your bank account with no rollbacks. If somebody gets that info and decides to clean out your bank account, that money is gone, period, and you’ll never see it again.
With a credit card, you have a degree of separation and the ability to contest or roll back charges. Debit cards don’t do that.
You’re in America, right? This isn’t necessarily true everywhere.
In Europe it’s like this:
Want to do a chargeback with American express or similar credit cards: call the toll free number and do it in less than 90 seconds, instantly approved
Want to do a chargeback with a debit card: you need to go to the police station and report the seller for fraud, then find the chargeback form hidden somewhere on the bank website, fill it and send it back together with the police fraud report via FAX (no email) to the bank, which might or might not approve it in 90 days. If it approves that, they will take a 30 euro fee from what you will get