b78710
Posts: 311
Joined: Fri Mar 24, 2006 4:21 am

Visa Debit Card

Sun Oct 21, 2007 2:31 pm

my british visa debit card.....will it be readily accepted in the states?

i'm guessing it will work in ATM's and such?

cheers!
 
n685fe
Posts: 337
Joined: Fri Dec 12, 2003 7:01 am

RE: Visa Debit Card

Sun Oct 21, 2007 2:35 pm

I would say yes. We just returned from Italy and I wondered the same thing. I had thought I was going to have to put everything on my American Express, but I was able to use my Visa the same as I could at home.
psp. lead by example
 
srbmod
Posts: 15446
Joined: Tue Mar 20, 2001 1:32 pm

RE: Visa Debit Card

Sun Oct 21, 2007 2:38 pm

It will work because it has the Visa name and logo on it. Now if it were one of the lesser known card companies (I know that when we had the 1996 Olympics here in Atlanta, many merchants had to upgrade or update their credit card systems to accept a number of foreign credit cards that were going to be used here. But in many "tourist" destinations, pretty much any card from any issuer is accepted.), it would be a hit or miss thing, but since Visa is pretty much widely accepted in the States (The only places I know that don't take Visa don't take plastic period.), you should have any problems using it here.
 
b78710
Posts: 311
Joined: Fri Mar 24, 2006 4:21 am

RE: Visa Debit Card

Sun Oct 21, 2007 2:39 pm

Quoting N685FE (Reply 1):

do they have chip n pin over there? or is it all signing?
 
b78710
Posts: 311
Joined: Fri Mar 24, 2006 4:21 am

RE: Visa Debit Card

Sun Oct 21, 2007 2:40 pm

Quoting Srbmod (Reply 2):

nice one, cheers for that, suddenly thought about it this morning!

will save me carrying around too much cash!
 
Air380
Posts: 172
Joined: Sat Jul 23, 2005 7:18 am

RE: Visa Debit Card

Sun Oct 21, 2007 2:42 pm

Call your Credit card people before you leave and let them know you will be out of the country and the dates to avoid surprises during your trip!
 
ba757
Posts: 2707
Joined: Tue Dec 23, 2003 10:31 pm

RE: Visa Debit Card

Sun Oct 21, 2007 2:43 pm

Quoting B78710 (Reply 3):
do they have chip n pin over there? or is it all signing?

Last time I used my Visa Delta (debit) in the states it was all signing.

I also never found anywhere that didn't take it - at least in the USA anyway. I had some issues with my Visa Delta in some Italian supermarkets that wouldn't take foreign issued cards, but that was perhaps a security thing.
 
TPAnx
Posts: 1007
Joined: Sun Aug 07, 2005 4:53 am

RE: Visa Debit Card

Sun Oct 21, 2007 3:27 pm

I obviously have no idea what the limit on your card is. But some people with low limits on credit cards find themselves surprised when they find they can't use the card because hotels, car rental companies, etc. put a "hold" on money,
to cover themselves in the event of extended stays, lots of room service, etc. Don't know if they do that with debit cards.
TPAnx
I read the news today..oh boy
 
Air380
Posts: 172
Joined: Sat Jul 23, 2005 7:18 am

RE: Visa Debit Card

Sun Oct 21, 2007 3:33 pm

Well, I have plenty of credit limit, but my bank put a cautionary hold on it because they thought the card was stolen, when I went on vacation to Europe and used it.
 
gocaps16
Posts: 4138
Joined: Sat Jan 29, 2000 9:14 am

RE: Visa Debit Card

Sun Oct 21, 2007 3:45 pm

Yup, if it shows the visa logo on the ATM, it will accept it. I have taken money from the ATM in England, Germany, Poland, Japan, Malaysia, Australia, and Canada. Your bank does the currency conversion but there is also an international transaction fee, which in Japan, is only $1 for me.

Quoting Air380 (Reply 5):
Call your Credit card people before you leave and let them know you will be out of the country and the dates to avoid surprises during your trip!

What I do before I leave the country is call my bank and let them know. I am living in Japan and recently my bank caught a suspicious activity last month. Somehow someone got a hold of my credit card information and attempted to use it in California but the transaction didn't go through and my bank canceled my card and sent me a new one after they told me what happened. They told me if I tried to buy something in California on this date but I told them I was in Japan. Before I travel, that's what I do and it's a good idea to let the bank know.
 
srbmod
Posts: 15446
Joined: Tue Mar 20, 2001 1:32 pm

RE: Visa Debit Card

Sun Oct 21, 2007 3:57 pm

Quoting TPAnx (Reply 7):
Don't know if they do that with debit cards.

They do. I've had it happen the last two trips to Las Vegas. Neither time, was it mentioned in all of the info you print out at the time of confirming a reservation online (I noticed when I booked my upcoming trip, the hotel's website actually put the info in with the reservations confirmation. . I know that both times, the hotel (Imperial Palace and Harrah's) put a hold that was the balance of the reservation + $200 (room deposit), and in both cases, they didn't appear on my online statement for several days. The $200 got credited back to my account, but if the hold ends up putting your account into the red, your bank may charge an overdraft fee. So definitely make sure of your account balance before leaving on a trip. Many hotels will only allow a person to make charges to their rooms if they secure their room with a credit card (Some charge $100 if you secure your room deposit with a credit card, but only $200 for the entire stay if you use a debit card or cash for the room deposit.).
 
Goldenshield
Posts: 5008
Joined: Sun Jan 14, 2001 3:45 pm

RE: Visa Debit Card

Sun Oct 21, 2007 4:36 pm

A couple years ago, someone managed to snag my debit card number and pin (and I'm pretty careful about that) and used it in several places in the UK. I got my money back, but I was pretty pissed.
Two all beef patties, special sauce, lettuce, cheese, pickles, onions on a sesame seed bun.
 
Boston92
Posts: 2553
Joined: Wed Aug 09, 2006 6:56 am

RE: Visa Debit Card

Sun Oct 21, 2007 4:51 pm

With debit cards in the states the merchant will ask "credit" or "debit" (always will immediately be deducted from the account), the difference is that "credit" is signature based and "debit" is PIN based.
"Why does a slight tax increase cost you $200 and a substantial tax cut save you 30 cents?"
 
corey07850
Posts: 2335
Joined: Wed Feb 04, 2004 4:33 am

RE: Visa Debit Card

Sun Oct 21, 2007 4:54 pm

Anywhere you see the VISA logo (everywhere) you can use your card. For me, most places ask if you want to use the card as a debit or credit card. If they run it as a credit card, you will usually have to sign, while using it as a debit card you will usually have to put in your PIN. More and more I'm finding places that simply swiping the card is good enough--no PIN or signature required.
 
LH423
Posts: 5868
Joined: Sun Jul 11, 1999 6:27 am

RE: Visa Debit Card

Sun Oct 21, 2007 5:05 pm

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.

LH423
« On ne voit bien qu'avec le cœur. L'essentiel est invisible pour les yeux » Antoine de Saint-Exupéry
 
srbmod
Posts: 15446
Joined: Tue Mar 20, 2001 1:32 pm

RE: Visa Debit Card

Sun Oct 21, 2007 5:32 pm

Quoting Corey07850 (Reply 13):
More and more I'm finding places that simply swiping the card is good enough--no PIN or signature required.

That's usually on transactions under $25. With the rise in gas prices, many gas stations have a limit on how much gas can be charged. A few months back I used my debit card at a QuikTrip to fill up my work vehicle and the fill up was billed as two transactions, one for $50 and another for $20. Another chain I sometimes use to get gas at limits your to $50 per transaction on a debit card and $75 on a credit card.
 
COIAHLGW
Posts: 156
Joined: Thu Dec 18, 2003 10:11 am

RE: Visa Debit Card

Sun Oct 21, 2007 6:32 pm

UK Debit Visa cards will work no problem, as others have stated. However, when you are asked if you want to pay by "credit" or "debit", choose the "credit" option, or press the Credit button at the terminal first before you swipe your own card.

All this means is that you want Visa to process the transaction, not that you want to use a credit card. "Debit" in the USA would mean paying by one of the USA's debit processing companies such as Star, Pulse and Interlink to name a few. This would mean a denied transaction as you do not have these symbols on the back of your card.

Now it's just as well you have a debit Visa card rather than a Maestro card. Now those really won't work in most places here. Trust me, I had one!

(edited for clarification)

[Edited 2007-10-21 11:38:06]

[Edited 2007-10-21 11:39:13]
 
andrej
Posts: 1102
Joined: Mon Jun 18, 2001 8:31 am

RE: Visa Debit Card

Sun Oct 21, 2007 6:40 pm

Right now I am living in the UK and I am using my Visa issued from USA. I called my card issuer and let them know that I will spend one year abroad. That way there will not be any issues once I start using my card.

I have been here for 2 months and so far no problem at all. Personally I think that this is much better than carrying cash and trying to exchange it for local currency. I used my card in Belgium and Slovakia without any problems.

Only one thing is different in UK than in US. Here they use "chip" credit card so people punch in their PIN and they do not have to sign anything. I know that in States all purchases below $25 do not require signature, but other purchases require signature.

So I am sure that your VISA will work fine.

Cheers,
Andrej
 
b78710
Posts: 311
Joined: Fri Mar 24, 2006 4:21 am

RE: Visa Debit Card

Sun Oct 21, 2007 8:14 pm

cheers chaps!
much appreciated

Who is online

Users browsing this forum: Bing [Bot], ContentCreator, Google [Bot] and 15 guests