Can I Use My Debit Card As Credit With Insufficient Funds

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xi-20-2014, 06:30 AM

Location: Northern Virginia ane,474 posts, read 2,085,156 times Reputation: 3262

If I use my debit/credit card as "credit," will it accept longer to post than debit, posting after I get paid in 15.5 hours, or volition the carte exist declined due to current insufficient funds? I've rarely used it as "credit," and accept never been certain what that means. Does it mean it'due south like a real credit card, can buy things without money? Alternately I could write a check, merely who does that anymore?

11-20-2014, 06:34 AM

flyonpa Location: MMU->ABE->ATL->ASH 9,286 posts, read 19,518,408 times Reputation: 10322

Posting No, They become posted as the aforementioned speed. Paying... Depending on your credit card, you normally Get twenty or then days from the end of the billing cycle to pay the neb before you incur late fees, (If yous have no credit card balance, Interest charges). Btw: Well-nigh (Newspaper) Checks are converted to EFT, and clear only like a debit card transaction now.

11-20-2014, 06:34 AM

Write a bank check unless your debit card links to a credit facility

eleven-20-2014, 07:26 AM

AV8n one,075 posts, read 1,670,927 times Reputation: 1959

It depends on how your bank handles it. If y'all don't currently accept a negative residual, the transaction may go through as "pending", and would postal service tomorrow. Of course, your direct deposit would be made tomorrow but might only show as pending until the next day. Most banks I've dealt with testify two balances: available balance and ledger balance. The available balance is what the banking concern says you lot have to work with, while the ledger residue is your "official" balance and is the 1 that is not allowed to go beneath nada. As far every bit debit vs. credit, it depends on the type of transaction, too. Using information technology as a debit (with Pin) volition cause a pending accuse for the full amount. Using information technology as a credit, the pending charge may be as little as $1.00 (I oft meet this when I purchase gas).

xi-20-2014, 07:55 AM

ncole1 17,056 posts, read xiii,218,027 times Reputation: 14124

Quote: Originally Posted by Zelpha If I utilize my debit/credit carte as "credit," volition it take longer to postal service than debit, posting after I get paid in 15.5 hours, or volition the card be declined due to current insufficient funds? I've rarely used information technology as "credit," and have never been sure what that ways. Does it mean it'south like a real credit card, tin buy things without money? Alternately I could write a check, but who does that anymore? Don't go shopping until after your bank closes for the day. Or just write a bank check

eleven-20-2014, 08:21 AM

DanBev ii,863 posts, read 7,304,987 times Reputation: 3229

I have always used my debit carte du jour every bit credit,now for over 10 years.When I use it my checking account is debited as fast as I walk out the door.Utilise it as credit so I do non have to utilize pin.I live in FL,credit union in CO. Merely one fourth dimension was the card hit with fraud on purchase when I did not use a secure site,my money was immediately returned to account,card canceled and credit union went after offender.

11-20-2014, 10:34 AM

jotucker99 Location: Clinton Township, MI 1,901 posts, read ane,683,189 times Reputation: 2311

Quote: Originally Posted by Zelpha If I employ my debit/credit carte du jour as "credit," will it take longer to postal service than debit, posting subsequently I get paid in 15.5 hours, or will the carte du jour be declined due to current insufficient funds? I've rarely used it as "credit," and accept never been sure what that means. Does it mean it's like a real credit card, can buy things without coin? Alternately I could write a check, but who does that anymore? If y'all have a Debit Card it's a Debit Card, not a Credit Card, that means that the corporeality available on the Debit Carte du jour is based on the amount in your bank account AT THE Fourth dimension OF THE TRANSACTION minus any Pending Transactions. If y'all don't take enough funds in the Bank Business relationship at the time of the purchase minus whatsoever pending transactions, so you will need to await until yous have plenty funds to cover the purchase. Furthermore, when y'all have the choice to utilise your "Debit Card as a Credit Card" what that means is that you are using Off-Line Debit which is to use the Debit Card without entering your Pivot number. Usually they will require a signature when y'all use the Debit Carte in this way. So overall, your Debit Card tin can't exist used as a Credit Card because it's Not a Credit Menu, you can either utilize the Debit Card with your Pin Number or without your Pin Number at locations that accept 5/MC.

xi-20-2014, 02:52 PM

Gandalara Location: SoCal desert eight,092 posts, read 14,540,576 times Reputation: 14937

Quote: Originally Posted past Zelpha If I use my debit/credit bill of fare equally "credit," will information technology have longer to post than debit, posting later on I become paid in 15.5 hours, or will the card exist declined due to current bereft funds? I've rarely used it as "credit," and have never been sure what that means. Does it hateful information technology's like a real credit bill of fare, can buy things without money? Alternately I could write a check, but who does that anymore? Alternately, you could stop spending money you don't have.

xi-20-2014, 03:06 PM

Pitt Chick Location: southwestern PA 20,416 posts, read 43,072,116 times Reputation: 39725

Quote: Originally Posted by Gandalara Alternately, y'all could terminate spending money yous don't accept. That was my thought... glad I am not the only one who thinks that!

11-20-2014, 05:09 PM

Status: " Life is good!" (set up 3 days ago) xiv,933 posts, read 23,964,896 times Reputation: 28380

Quote: Originally Posted by Zelpha If I use my debit/credit carte every bit "credit," will information technology take longer to postal service than debit, posting after I get paid in 15.5 hours, or will the card exist declined due to electric current insufficient funds? I've rarely used it as "credit," and take never been certain what that means. Does information technology mean information technology's like a real credit card, can buy things without money? Alternately I could write a check, but who does that anymore? Debit cards branded equally credit cards are even so debit cards. If you don't have the coin when yous swipe the bill of fare, the transaction will be denied. So it doesn't work like a credit menu.

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Can I Use My Debit Card As Credit With Insufficient Funds,

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