|Quoting TPAnx (Reply 7):|
Don't know if they do that with debit cards.
They do. I had a huge amount held on a car rental in France. It basically held up my money in my bank account until I returned the car. Was none-too-happy about that one.
The US doesn't use chip-and-pin yet. Well, PINs on debit cards, yes but they don't have the microchip system yet. We're moving towards a chip-based system in Canada ( http://www.interacchip.ca/
) soon but the US, in terms of credit/debit card technology tends to lack behind us so I wouldn't expect wide-spread use of it anytime soon though some merchants may be equipped for it but chances are they won't know how to use it
Because of the debit system where the cards can act as both a credit card and a debit card (though either way the money is immediately deducted from your account) there has been little motivation, especially on the part of smaller business, to upgrade their systems to allow for both so in a lot of places, especially restaurants, your debit card will be treated as a credit card and you'll have to sign. Places like supermarkets, gas stations, and large chains (except for a lot of clothing stores) will have the option of debit (PIN) or credit (sign). Debit is my preference because it deducts immediately, where as with the credit card method the money is first pre-authorized (frozen) then after a day or two is removed for good. But sometimes after a few days the pre-authorization is unfrozen and the money is put back into your account making you think you have more money than you do before it's finally deducted.
Either way, you should have no problems using your card in the States.
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