Getting help when a debit card purchase goes bad

If you are purchasing products online or in person, it is almost always a good idea to use a credit card versus a debit card.

IF YOU PAID FOR SOMETHINGWITH A DEBIT CARD, ANDSOMETHING GOES WRONG, YOURBANK MAY STILL BE ABLE TOHELP--KAREN STILES OF OUR CALLFOR ACTION OFFICE HAS MOREINFORMATION.IF YOU ARE PURCHASING PRODUCTSONLINE OR IN PERSON, IT ISALMOST ALWAYS A GOOD IDEA TOUSE A CREDIT CARD VERSES ADEBIT CARD.

BUT, IF YOU PAIDWITH A DEBIT CARD, THERE MAYSTILL BE SOME THINGS THAT YOUCAN DO IF SOMETHING GOESWRONG.

HERE IS HOW YOUR BANKCAN HELP:UNLIKE CREDIT CARDS,YOU MAY NOT HAVE THE ABILITYTO DISPUTE A REFUND FOR APRODUCT THAT YOU DID NOT LIKE.HOWEVER, IF IT APPEARS THATTHE BUSINESS HAS MADE ABILLING ERROR, HAS NOTPROVIDED PRODUCTS THAT YOUPAID FOR, OR THERE APPEARS TOBE FRAUDULENT ACTIVITY, YOURBANK MAY BE ABLE TO HELP.

IFYOU RUN INTO ONE OF THESETYPES OF SITUATIONS AND YOUARE UNABLE TO RESOLVE THINGSWITH THE MERCHANT, CONTACTYOUR BANK IMMEDIATELY TOREPORT THE PROBLEM.

PROVIDE ASMUCH INFORMATION ANDSUPPORTING DOCUMENTATION ASPOSSIBLE.

ALLOW THE BANKENOUGH TIME TO INVESTIGATE THESITUATION.

SOME BANKS MAYPROVIDE A CREDIT BACK TO YOURACCOUNT, BUT THIS COULD GETPULLED BACK IF THE MERCHANTFIGHTS BACK AND THE BANK DOESNOT FIND IN YOUR FAVOR.IF YOUARE UNABLE TO RESOLVE APROBLEM WITH A MERCHANT ORYOUR BANK, YOU CAN ALSO FILE ACOMPLAINT WITH THE FINANCIALBUREAU.

WE FOR THEIR CALL FORSECTION OF FOR TMJ4 NEWSACTION, I'M KAREN STILES.