Oui Non. I would like to ask the Office a question about a consumer-related issue. All-inclusive prices The advertised price of a product or a service must represent the full amount you need to pay to buy it.
A warning is not enough A merchant is not abiding by the law even if they inform you at the register that an additional amount will be charged because of the method of payment you have chosen. Recourse in case of a problem If a merchant wants to charge fees because you are paying with a debit card, you should inform them that, by law, they are not allowed to do so. Specific case: taxi drivers The regulation is the same for taxi drivers.
Last name of recipient: Mail address of recipient:. Your last name: Your mail address:. Comment optionally :. Survey about the Office website To improve its website, the Office de la protection du consommateur invites you to answer a short survey following your visit. Would you like to participate? Some debit cards come with "rewards" or other incentives for using them. How can I know which one is a good deal?
How can I overdraw my account if my bank or bank network must approve a debit card transaction? If I use a debit card to make a purchase can the merchant put a temporary "block" or "hold" on other funds in my account? Because a debit card transaction is processed so fast, is it possible to order a "stop payment" or obtain a refund if I later discover a problem with the merchandise?
Sometimes you're asked to enter a PIN to approve a debit card transaction, other times you can sign your name. Does it matter? Here's how to avoid becoming a victim: Never write your PIN on or near your card. Memorize it instead. Don't give out bank account information over the phone or the Internet unless you have initiated the contact or you know the person is who he or she claims to be.
For example, beware of deceptive calls or e-mails from crooks claiming to be from your bank asking you to "verify" divulge your account information. Don't share your debit card PIN, security code and other account information with friends or relatives who aren't co-owners of your account.
Likewise, never reveal this information to new "friends" you meet over the Internet. Take precautions at the checkout counter, ATM and gas pump. Always stand so that no one can see the keypad where you enter your PIN. At retail establishments, it's best to use do-it-yourself scanners.
If you give your card to a clerk, be on guard against a dishonest employee who runs your card through two scanners instead of one. The second scanner could be capturing your account information to make a counterfeit card. In general, be alert for suspicious-looking devices that may be used to "skim" information from your card.
If you use your debit card to shop online, consider extra precautions with your personal computer. Experts advise installing and periodically updating virus and spyware protection and a "personal firewall" to stop thieves from secretly installing malicious software on your personal computer remotely that can be used to spy on your computer use and obtain account information. Look at your bank statements as soon as they arrive.
Or, better yet, review your account each week by phone or the Internet. Promptly report any discrepancy, such as a missing payment or an unauthorized transaction, to your bank. Your quick attention to the problem may help limit your liability and give law enforcement authorities a head start on stopping the thief.
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I Accept Show Purposes. Your Money. Personal Finance. Your Practice. Popular Courses. Personal Finance Credit Cards. Table of Contents Expand. What Is a Credit Card? Pros of Using Credit Cards. Cons of Using Credit Cards.
What Is a Debit Card? Pros of Using Debit Cards. Cons of Using Debit Cards. Credit Cards vs. Debit Cards: An Overview Credit cards and debit cards typically look almost identical, with digit card numbers, expiration dates, and magnetic strips and EMV chips.
Key Takeaways Credit cards give you access to a line of credit issued by a bank, while debit cards deduct money directly from your bank account. Credit cards offer better consumer protections against fraud compared with debit cards linked to a bank account. Newer debit cards offer more credit card—like protection, while many credit cards no longer charge annual fees. Article Sources. Investopedia requires writers to use primary sources to support their work.
These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy. Related Articles. Partner Links. A checking account is a highly liquid deposit account held at a financial institution that allows deposits and withdrawals.
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