service charge for using debit card

skew Posted: Mar 25, 2005 07:22 AM

service charge for using debit card

i heard that MANY places (grocery, retail, gas stations, restaurant etc..) charge a service fee for using a debit card. the charge DOES NOT appear on the receipt but does appear on the bank statement.

has anyone heard this?

meghanmetz Posted: Mar 25, 2005 07:25 AM

Re: service charge for using debit card

I've heard it, but I use my debit card constantly (instead of a credit card) and have had no problems. I think that if it were to happen it might be the bank charging you (it's like going to an ATM that is not affiliated with your bank), not the grocery store, who I would think would have to disclose it. But, I'm no expert.

Valentinegirl Posted: Mar 25, 2005 07:29 AM

Re: service charge for using debit card

Which bank do you use?

lilmrs Posted: Mar 25, 2005 07:49 AM

Re: service charge for using debit card

I have not heard of this yet...I will have to start reading my statements.

skew Posted: Mar 25, 2005 08:01 AM

Re: service charge for using debit card

chase. i also need to start reading my statement.

eogara Posted: Mar 25, 2005 08:31 AM

Re: service charge for using debit card

I use my debit card almost exclusively, I hardly ever carry cash. I've never been charged a service charge by the point of purchase. My bank used to charge me but they don't any longer.

Sweetie2004 Posted: Mar 25, 2005 09:09 AM

Re: service charge for using debit card

When I use my debit card, they ask debit or credit and I tell them to use it as a credit card - I never know if I'm doing the right thing.

palebride Posted: Mar 25, 2005 09:10 AM

Re: service charge for using debit card

i've never gotten a service charge for using it as debit.....but Dh warned me that this could happen....

JimmysBride Posted: Mar 25, 2005 09:11 AM

Re: service charge for using debit card

If you say credit when they ask debit or credit, you don't get charged. Usually, if you are entering your pin, you are going to get charged.

I always do credit -- same thing, you just don't get charged and don't have to put in your pin.

skew Posted: Mar 25, 2005 09:41 AM

Re: service charge for using debit card

Posted by JimmysBride

If you say credit when they ask debit or credit, you don't get charged. Usually, if you are entering your pin, you are going to get charged.

I always do credit -- same thing, you just don't get charged and don't have to put in your pin.

really? i am always confused when the ask 'debit or credit?' i usually say 'debit'. i have this horrible vision of receiving an enormaous bill one day for all my years of using the debit as a credit and never really paying.

groovypeg Posted: Mar 25, 2005 09:48 AM

Re: service charge for using debit card

i have never been charged for using my debit card at grocery stores or elsewhere. is this with one particular bank?

97bride Posted: Mar 25, 2005 09:49 AM

Re: service charge for using debit card

Mine does this too. As long as I use it as a credit card, there's no fees.

leighdvm Posted: Mar 25, 2005 10:01 AM

Re: service charge for using debit card

Posted by 97bride

Mine does this too. As long as I use it as a credit card, there's no fees.

Me too.

wood2be Posted: Mar 25, 2005 10:57 AM

Re: service charge for using debit card

I know that if I charge someone's card as a credit rather than a debit, I pay a higher fee. Maybe some places turn that back on the customer.

There are some gas stations, that when you use your debit, they hold an amount that stays on your account for a few days. I learned the hard way when I kept bouncing checks because of the $30 hold!