Which is better?

[ZipSpan]

Weird Science?

nope, we saw 300.

[SequSpur]

You have to have a checking account to get a debit card. So if you want a debit card you have to open a checking account.

If you are not 18, you have to have the "adult" on the account approve the issuance of the card to you.

Because the debit card accesses a checking account, dispute resolution falls under "Regulation E" where as a credit card dispute would fall under "Regulation Z". Under Reg E, your bank/credit union pretty much has to give you back your money within 10 business days if you are disputing an item, obviously if you lose your dispute for whatever reason they can take the credit back out provided they supply you with do entation proving the validity of the charge upon your request. All of this should occur within 90 days of your initial notification of a dispute.

Also, there is no way to "stop" a charge on a debit or credit card once the merchant receives an authorization number. You have to wait for the transaction to post and then dispute it. Just realize that disputing the charge because you "got in trouble for ordering that magazine" or something like that is not really a dispute and you probably won't get much cooperation from you bank. But if you have a legit dispute, your bank will take care of you.

[ZipSpan]

You have to have a checking account to get a debit card. So if you want a debit card you have to open a checking account.

If you are not 18, you have to have the "adult" on the account approve the issuance of the card to you.

Because the debit card accesses a checking account, dispute resolution falls under "Regulation E" where as a credit card dispute would fall under "Regulation Z". Under Reg E, your bank/credit union pretty much has to give you back your money within 10 business days if you are disputing an item, obviously if you lose your dispute for whatever reason they can take the credit back out provided they supply you with do entation proving the validity of the charge upon your request. All of this should occur within 90 days of your initial notification of a dispute.

Also, there is no way to "stop" a charge on a debit or credit card once the merchant receives an authorization number. You have to wait for the transaction to post and then dispute it. Just realize that disputing the charge because you "got in trouble for ordering that magazine" or something like that is not really a dispute and you probably won't get much cooperation from you bank. But if you have a legit dispute, your bank will take care of you.

Maaaan... that means I have to wait 2 more years until I can get one.

[NorCal510]

Thanks! It was wonderful!!! We walked around a park, went to the movies, then went out to ate. It was perfect.

dump him. i can do better than that.

[ZipSpan]

dump him. i can do better than that.

then why don't you have a girlfriend?

[Kori Ellis]

I was pretty amazed with my bank (USAA); in my case they notified me that someone was using my card number to make internet purchases that "didn't fit my pattern"; it was with a shoe store. I had no idea it happened, but I was surprised they could tell I didn't buy the stuff myself.

Maybe USAA knows your shoe size

[jman3000]

debit card all the way... but maybe try to get a 0% introductory rate credit card for emergency's ... once the rate is over... cut it up and get another.

[jman3000]

maybe you're too young to get that kinda deal though.

[THE SIXTH MAN]

don't you have to be 18 to get a credit card?

Yes, but you don't have to be 18 to have one. For example if your mom has a credit card she can issue you your own card. But she's the only one that would be authorized to make decisions on it.

As for the question. In my opinion since you're young, with your mothers permission get a debit card. A credit card can easily get a young person in to debt very quickly.

[mrsmaalox]

You have to have a checking account to get a debit card. So if you want a debit card you have to open a checking account.

If you are not 18, you have to have the "adult" on the account approve the issuance of the card to you.

Because the debit card accesses a checking account, dispute resolution falls under "Regulation E" where as a credit card dispute would fall under "Regulation Z". Under Reg E, your bank/credit union pretty much has to give you back your money within 10 business days if you are disputing an item, obviously if you lose your dispute for whatever reason they can take the credit back out provided they supply you with do entation proving the validity of the charge upon your request. All of this should occur within 90 days of your initial notification of a dispute.

Also, there is no way to "stop" a charge on a debit or credit card once the merchant receives an authorization number. You have to wait for the transaction to post and then dispute it. Just realize that disputing the charge because you "got in trouble for ordering that magazine" or something like that is not really a dispute and you probably won't get much cooperation from you bank. But if you have a legit dispute, your bank will take care of you.

Great info,thanks

[SequSpur]

obviously, that was pseudofan.. i don't know about cards.

[ShoogarBear]

obviously, that was pseudofan.. i don't know about cards.

I was about to be impressed.

Well, I guess we know who lays down the financial law for your kids.