Debit Card vs Credit Card: Stores Can't Tell The Difference?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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whit
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Postby whit » Fri Sep 13, 2013 11:24 pm

Is that why debit cards also stopped giving back cash backs? ;p

I'm personally always a bit disturbed when I slide my cc and they ask whether I want cashback or not and then knowing its going to be a "cash advance" if I say yes

It was happening for a while when I'm at grocery stores (of big chains like Safeway and mom and pop versions)

But then it stopped

Bizarre


randeman
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Postby randeman » Sat Sep 14, 2013 12:27 am

whit wrote:Is that why debit cards also stopped giving back cash backs? ;p

I'm personally always a bit disturbed when I slide my cc and they ask whether I want cashback or not and then knowing its going to be a "cash advance" if I say yes

It was happening for a while when I'm at grocery stores (of big chains like Safeway and mom and pop versions)

But then it stopped

Bizarre


It could be your bank or the places that you shop. I used my Citi debit card yesterday to
get cash back at Bed Bath and Beyond, no problem.
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whit
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Postby whit » Sat Sep 14, 2013 12:35 am

No, it is strictly a cc not bank with debit option

I wouldn't mind getting cashback, and I love my card from schwab for that,

But cc to get cash back (had option 5, 10, 20 or other) when you can't get cash from a credit card unless its cash advance? To me it's a bit deceptive

I'm pretty sure since it was done with a discover IT card at both Safeway and the mom and pop store

flan
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Postby flan » Sat Sep 14, 2013 3:18 pm

whit wrote:No, it is strictly a cc not bank with debit option

I wouldn't mind getting cashback, and I love my card from schwab for that,

But cc to get cash back (had option 5, 10, 20 or other) when you can't get cash from a credit card unless its cash advance? To me it's a bit deceptive

I'm pretty sure since it was done with a discover IT card at both Safeway and the mom and pop store


some (all? don't know) discover cards have a cashback at purchase feature. You get cash, and discover treats it like a purchase. No fee, interest is charged at purchase rates. I believe the grace period applies, you'd have to check for sure. I think the merchant has to be participating, too. Never taken advantage of it.

Mrm-na
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Postby Mrm-na » Thu Sep 19, 2013 9:49 am

This used to be a pet peeve of mine.

Several years ago, I had a basic debit card. No VISA, Mastercard, etc affiliation.
When I'd ask store employees "do you take debit cards?" I'd be mildly annoyed when they'd respond with "Yes, as long as it has a VISA logo". In other words, no, you don't take debit cards then. The reason you need the VISA logo is because you're processing it as a credit card, not a debit.

But at least they usually made this distinction before I got in line to buy something.

The VISA affiliation is a convenience to make the card easier to use, by letting it work transparently like a credit card. As far as the retailer is concerned, a VISA is a VISA. They don't need to know or care what type of account is actually funding it. If they truly take debit, then they don't need that logo.



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