I wonder what a credit card dispute would result in here. Underutilized feature when businesses pull shady shit. Think I’ve had 6 or so disputes over the years, never failed.
Too many people these days don’t use or have access to credit cards for services like this. Many people I know only use bank debit cards, or worse, use the debit preloaded cash cards issued by their employers’ payroll service provider.
Credit cards motivate banks to help you, because if you won’t pay, and the business doesn’t pay, the bank has to take the hit.
Debit cards will work as well if your bank values it’s reputation - but not all banks do.
And I would not trust a preloaded card provider to assist. You are neither their business partner nor their customer and that puts your interests at the bottom of a very long list. You have to hope some law is on your side or that your issue is so trivial that resolving it is more cost effective then dealing with you.
Credit cards are also an instrument of christofascist pedophiles who want to ban all pornography and ‘pornography’ (they consider the existence of queer people to be porn)
Virtually any place that accepts a credit card will accept debit cards, too. Actually, most debit cards can be processed as credit cards. The comment you responded to simply highlighted that this trick is much easier to pull with credit card than a debit card, as the creditor hasn’t yet been repaid for the credit issued.
I don’t understand how this works out badly for the person using a debit card. You pay for the vehicle and if they try to make you pay more you ask for proof and if you don’t get it you walk away.
It’s about who’s lawyers you can rally to your defense in a dispute.
With a credit card you’re spending the bank’s money. If you can convince the bank you’re in the right, it’s you and the bank’s lawyers recovering the bank’s money.
As a debit card user, the banks will support your legal rights, because it’s good business for your clients to prosper. While the bank’s lawyers won’t go to bat for you, many will be willing to give you quasi-legal and quasi-financial tidbits or point you in the right direction.
As the bank’s client’s employee, you’re basically on your own. Good luck.
I wonder what a credit card dispute would result in here. Underutilized feature when businesses pull shady shit. Think I’ve had 6 or so disputes over the years, never failed.
Too many people these days don’t use or have access to credit cards for services like this. Many people I know only use bank debit cards, or worse, use the debit preloaded cash cards issued by their employers’ payroll service provider.
Credit cards motivate banks to help you, because if you won’t pay, and the business doesn’t pay, the bank has to take the hit.
Debit cards will work as well if your bank values it’s reputation - but not all banks do.
And I would not trust a preloaded card provider to assist. You are neither their business partner nor their customer and that puts your interests at the bottom of a very long list. You have to hope some law is on your side or that your issue is so trivial that resolving it is more cost effective then dealing with you.
Credit cards are also an instrument of christofascist pedophiles who want to ban all pornography and ‘pornography’ (they consider the existence of queer people to be porn)
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Theoretically. Last time i saw an ‘american ecpress’ card was like 2013.
Huh? I don’t think I’ve ever used a rental car service that didn’t require a credit card. Exactly so they can charge for this sort of thing.
Virtually any place that accepts a credit card will accept debit cards, too. Actually, most debit cards can be processed as credit cards. The comment you responded to simply highlighted that this trick is much easier to pull with credit card than a debit card, as the creditor hasn’t yet been repaid for the credit issued.
I don’t understand how this works out badly for the person using a debit card. You pay for the vehicle and if they try to make you pay more you ask for proof and if you don’t get it you walk away.
Or do they require a collateral fee when renting?
Yes
The other thing not being mentioned is that credit cards and debit cards have different legally required protections.
It’s about who’s lawyers you can rally to your defense in a dispute.
With a credit card you’re spending the bank’s money. If you can convince the bank you’re in the right, it’s you and the bank’s lawyers recovering the bank’s money.
As a debit card user, the banks will support your legal rights, because it’s good business for your clients to prosper. While the bank’s lawyers won’t go to bat for you, many will be willing to give you quasi-legal and quasi-financial tidbits or point you in the right direction.
As the bank’s client’s employee, you’re basically on your own. Good luck.
You CAN dispute debit card charges, but the process is typically done through the vendor of the card, CPI or Fiserv. Contact your bank.
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