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DMala |
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Sleep is overrated
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Reged: 05/09/05
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Posts: 3989
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Loc: Waltham, MA
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Re: why do i never see restaurant tips coming off of my debit card?
11/30/10 05:45 AM
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> A tip to anyone traveling and using a Debit card. Call your bank, let them know what
> you're going to be doing -and if it's possible- have them let you use your card as a
> credit card. Since Credit is borrowed on good faith. Debit is (essentially)
> subtracted. & If there are a number of places getting more authorized on your card
> that isn't really needed - then you risk running out of "credit" and not having any
> way to pay.
Actually, the way to do this is to just use an actual credit card and then pay it off as soon as you get back, if you want to avoid interest charges.
I have a "Visa" debit card and any holds against it tie up funds in my account anyway. From what I understand, if you use the card as an actual debit card, i.e. you have to enter your PIN to complete the transaction, the holds are either shorter or non-existent. Personally, I'd rather not give out my PIN to anyone and everyone, though. I just use a credit card for stuff like gas and rack up a shitload of cashback points in the process.
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