.5 Reasons Not to Use Debit Cards When You Shop Online By Holly Johnson 18 October 2019 Many consumers use their debit cards for everything they buy. All online purchases should be made through a secure online form. Debit card fraud at ATMs and merchant card readers is on the rise, up 10 percent in 2017 over the year prior, according to FICO.In fact, experts recommend you avoid using your debit card when making purchases to avoid fraud. Another reason to use credit instead of debit is the fact that you could qualify for valuable consumer protections and free insurance. However, this also means that someone can steal and transact with your card from anywhere in the world. Let's say you're doing some shopping online and the goods show up damaged -- or don't show up at all. This secure process never involves soliciting your credit card information in an email. We may receive compensation when you click on links to those products. You’re at less risk if your card number is stolen. The bad news is that using a debit card is just not as safe as using a credit card — even after new rules went into effect to restrict overdraft charges caused by debit purchases. While banks gripe and merchants rejoice about the fledgling Fed rules that were put in place in late 2010, budget-savvy experts consider the rise in debit card usage good news because it means that shoppers are attempting to spend no more than they have in the bank. Other protections that can apply to your online purchases include extended warranties, purchase protection, and guaranteed returns. Your free Visa ® Debit Card from Credit Union 1 is the perfect way to pay for almost everything, every day – online and in stores.. They argue that you may decide to use the mini-bar or charge things to your room, so they're just protecting themselves from your potentially free-spending ways. You can also shop in portals with a debit card in some cases, but you'll mostly be limited to earning airline miles or cash back. Many credit card offers that appear here are from companies from which Wise Bread receives compensation. More on MoneyWatch10 best travel rewards cards5 Ways to Get Deals on Dining OutHow to Protect Yourself When Shopping Online, First published on December 7, 2010 / 10:52 AM. When you've ordered using a credit card you have two things going for you: You're usually billed some weeks after the purchase, giving you a chance to receive and inspect your order before you pay. It doesn't work that way with a debit card. Bank Negara Indonesia (Persero), Tbk. 6 Ways My Family Scores Free Travel With Credit Cards, 6 Awesome Credit Card Tricks That Will Save You Money, How to Save an Extra $1,094.86 a Year With These 4 Cards, 5 Ways to Earn Cashback Rewards Without Extra Spending, What Is a Good Credit Score, and How to Improve Your Own Credit Rating, 10 Surprising Ways to Kill Your Credit Score. The bad news is that using a debit card is just not as safe as using a credit card — even after new rules went into effect to restrict overdraft charges … Keep in mind that many rewards credit cards offer consumers the chance to earn bonuses worth $500 or more when they meet a minimum spending requirement within a few months. When you buy the card, you pay the initial amount that you want to load onto the card, often termed the “initial load”, plus the cost of the card. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. So, use your ATM/Debit Card PIN online and experience a new way of online shopping. BNI Debit Online. The debit card is easy to use because it is as simple as a swipe. Just understand that a debit card does not have the same fraud protection as a credit card – if it’s lost or stolen, or there’s a problem with the purchase. (See also: How to Use Airline Shopping Portals to Cash In On Rewards). (See also: Don't Make These 6 Credit Card Sign-up Bonus Mistakes). Before you sign up for a credit card and start using it for purchases, it's important to make sure you're committed to staying on budget and spending only what you can afford. Using a debit card for online purchases can mean enduring greater losses if you're a victim of fraud. This is a convenient and secure way to make your overseas purchases and ATM withdrawals. Like credit cards, federal law limits your liability for fraudulent use of your debit card to $50. It is easier to get your money back if you use a credit card. If you report fraud within two to 60 days of your statement being mailed to you, you're only liable for up to $500. Advertiser Disclosure ▾ How to Use Airline Shopping Portals to Cash In On Rewards, Don't Make These 6 Credit Card Sign-up Bonus Mistakes, How Credit Cards Protect Your Purchases from Damage or Theft. But good luck if you're dealing with a crook. You can use a debit card for payment almost anywhere credit cards are accepted. How to avoid it: One consumer complained that a phantom charge -- a hotel hold for a room that was eventually paid for with cash -- cost him $140 in overdraft fees because he was unaware that his stated bank balance was made partly "unavailable" by the undisclosed hold. Be careful about pulling out that debit card. 3. How can it be for more than you'll be spending? For example, if you report fraud within two business days after it's noticed, you're only liable for up to $50 in losses. (See also: How Credit Cards Protect Your Purchases from Damage or Theft). That means you're never out the money. Banks have gone to great lengths to actively enroll people in these costly overdraft plans since then. Unfortunately, cases of scams perpetrated against unsuspecting network users who communicate their personal data on the … And it doesn't matter that you only put $10 of fuel in the tank to top off the rental car. But if you have the option to use a credit card, it’s probably safer to use credit —especially when shopping online. Consider this: The banking industry pushes debit cards as being almost equivalent to cash. / MoneyWatch. The reality is, there are plenty of rewards credit cards that dole out sizable bonuses, ongoing rewards, and more without charging a fee each year. Your debit card will work online. Many consumers use their debit cards for everything they buy. If you weren't, any transaction that exceeds your balance should be declined. Please view our. For some folks, prepaid debit cards can be a no-fuss way to cash paychecks and make a few purchases without needing to deal with bank accounts or credit cards. According to the Federal Trade Commission (FTC), your level of liability depends on when you notice the fraud and report it. Every legitimate business selling products or services online uses a secure online shopping process to do so. Copyright © 2021 CBS Interactive Inc. All rights reserved. ... let's discuss an obvious but very bad one: your ATM card. For example, you could be earning cash back or travel rewards if you made the same purchases with a rewards or travel credit card. Most credit cards include a 60-day chargeback feature to help cardholders settle disputes. The content is not provided by the advertiser and any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any bank, card issuer, airline or hotel chain. If you don't notice or report it in time, you won't have any way to get your money back. A debit card, sometimes called a check card, is directly tied to your checking account. Have you been having trouble trying to use your debit card to make payment online? View all articles by Kathy Kristof on CBS MoneyWatch» Up to 3% cash back on your choice of six categories. Using a credit card online offers better protection against fraud, faulty goods or a failure to deliver. But that's only if you report the card stolen within two days of discovering the theft. When you swipe your debit card at a store, gas pump,or ATM, you are using the money in your checking account to pay. The Mastercard card may be used everywhere Debit Mastercard is accepted. With a debit card, it’s up to you to work with the vendor to get your money back. Live Updates: House Democrats to introduce impeachment, Some people lose jobs after photos show them at Capitol riots, Man shown with feet on Nancy Pelosi's desk arrested, West Virginia lawmaker faces federal charges in Capitol siege, Biden preparing to accelerate distribution of COVID-19 vaccine, Los Angeles Dodgers legend Tommy Lasorda dies, New York to start scheduling next phase of COVID vaccinations, Trump is first president in 152 years to skip successor's inauguration, Close-up of woman?s hand holding plastic card while going shopping in the mall, fight with the merchant to get your money back, How to Protect Yourself When Shopping Online, View all articles by Kathy Kristof on CBS MoneyWatch», California Privacy/Information We Collect. Unfortunately, it doesn’t always work the way you intended, and you could find yourself without access to your money if your debit card is declined. The good news here is that you may be able to dispute these overdraft fees, saying that they should never have been levied. Not so much. Never provide your debit or credit card information in an email. H-E-B. But debit cards are not a good way to pay when you shop online. Prepaid debit cards can offer the convenience of a traditional debit card with a built-in money management benefit. As much as you might resist it, debit cards should not be used to pay for online transactions; a credit card is always safer for e-commerce. While credit cards are the normal offerings, some stores, like the department store … The final reason you may want to stop using your debit card is the … That "hold" starts the moment you check in and can be for more than the amount of the room multiplied by all the nights you're planning to stay, too. When you use your debit card, the amount of the purchase is subtracted from your account immediately -- often long before you've seen the goods. Disclaimer: The responses below are not provided or commissioned by the bank advertiser. © 2010 CBS Interactive Inc. All Rights Reserved. When you make purchases with your Target Debit Card, Target Credit Card or Target™ Mastercard® (each, a “RedCard™”) at Target stores or Target.com, you will receive 30 additional days to return the purchases beyond the standard return policy applicable to each of the purchased items. When you check into a hotel with a debit card, many hotels put a "hold" on money in your account. The money is taken out of your bank account directly and immediately, so there’s little chance to spend more than you have, unlike using a credit card. Speed through checkout. With a debit card, the stolen money may have already left your account. If you were gullible enough to sign up, you could be at risk of overdrafts if you use a debit card anywhere. These rewards can add up quickly, making it easier to see the world or splurge on merchandise, gift cards, and more. You dispute the charge, subtract the disputed amount from your bill and let the credit card issuer worry about it. You may think you need to pay the annual fee on a credit card to qualify for sign-up bonuses or ongoing rewards, but this is far from the truth. H-E-B, a Texas grocery chain, has a few dozen locations that accept EBT cards for curbside … Someone might steal your credit card number online. Financial expert and award-winning writer with a focus on personal finance. A debit card is a card issued by a bank and is used to make in-person and online purchases. Wise Bread is an independent, award-winning, advertising-supported website. PT. Last summer, the Federal Reserve Board enacted new rules that stopped banks from automatically enrolling consumers in overdraft plans that would subject them to high fees when they used debit card for purchases that exceeded their balance. There are a few exceptions, but for the most part, it's as easy as swiping your debit card when you check out (or if paying online, by typing in your card number). This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). In fact, someone who finds your debit card number could wipe out all the money in your accounts. You also have the right to dispute a charge -- and not pay that portion of your bill -- when something shows up damaged or the merchant fails to deliver it. If you pay with a credit card when ordering something online, and that product comes damaged, broken or not at all, you can dispute the charge and … Your debit card makes it easy to use your checking account, and debit cards are accepted almost everywhere credit cards are accepted. For online shopping sites bank debit card is required, but that is not the only information for making a transaction there. (MoneyWatch) More people are using debit cards than credit cards these days, which has spurred the Federal Reserve to push ahead on restricting the amount banks can charge merchants for each debit swipe. Instead, you pay for online purchases using your card and the money is automatically deducted from your balance or checking account. These holds can last for days after your visit to the gas station. That caused his regular bills, which were scheduled to be paid while he was away, to bounce. The final reason you may want to stop using your debit card is the fact that you're not building credit history based on your online purchases and everyday spending. Although each prepaid debit card has its own fee table, ATM fees seem to be a common occurrence on nearly every card’s list of fees. That means you have to dicker with your bank to get reimbursed. If you use your debit card at a gas station or hotel, find out what their hold policy is and make sure you have plenty of money in your account to cover it. Pay for everything from a cup of coffee to gas and groceries with your card. Online Store Credit Cards for Bad Credit. This can include travel protections like trip cancellation/interruption insurance, rental car insurance, travel accident insurance, baggage delay insurance, and more. Debit cards allow you to pay for things with cash -- only you don't handle the cash. For this reason, we wonder whether the debit card we use to make purchases on the web, is safe. We all know that when you use your credit card at a gas station or hotel, they charge the card when you leave for the amount of the purchase. Dickering with your bank is not fun. Here are all the reasons you may want to stop using debit and use a credit card instead. Debit card and online shopping: how to protect yourself from scams. When you use credit instead of debit, on the other hand, you're making regular purchases and payments that are reported to the three credit reporting agencies — Experian, Equifax, and TransUnion. ATM fees typically come in at around $2.50, which can turn the convenience of a prepaid debit card into a huge expense if you simply need $20 for the day. As convenient as PayPal is, not every website accepts it. Please visit our Advertiser Disclosure to view our partners, and for additional details. You probably don't think twice about swiping your debit card at the grocery store or ATM, but maybe you should. Nowadays, you can use your debit card, such as a Visa or MasterCard, anywhere in the world. You need expiry date, cvv and card holders name also. But when shopping online, there are reasons to consider using a credit card instead. But there’s a psychological factor the banks are missing here, according to Clark. This site does not include all credit card companies or all available credit card offers. That includes restaurants, merchants, online retailers, government organizations, and more. Many accounts now offer Visa or Mastercard debit cards, which allow you to use them when traveling overseas. Powered and implemented by FactSet. What makes using a debit card so dicey? Make shopping fast, safe and easy. How to shop online without a credit card. Updated on: February 8, 2011 / 3:33 PM If you wind up with a mountain of debt with the high interest rates most credit cards charge, the rewards and protections you receive won't be much help. A debit card is certainly and truly the worst financial tool ever given to the American consumer. You then have to fight with the merchant to get your money back. You're not building credit history. Legal Statement. The best online store credit card for high approval odds is the Fingerhut Credit Account. Having your credit usage and payments reported to the credit bureaus is huge because it helps prove your creditworthiness and gives them a basis to increase your credit score over time. Online transactions are generally secure, especially … Traveling? Others? This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The Bancorp Bank: Member FDIC. You can also use your debit card to withdraw cash from automated teller machines (ATMs). You're not as protected against fraud when you use a debit card, and disputes with those cards can be difficult to resolve. Experts pick their 5 favorite cards for each spending category. Using a debit card when you shop online also means giving up on the possibility of earning big sign-up bonuses. Sure, it has a 16-digit number and can be used as a credit card. It's one of the easiest credit cards to get overall, as Fingerhut advertises that they often say "yes" even to people who have been turned down for credit. ICE Limitations. Using a debit card certainly won't hurt your credit score, but it won't help it, either. Most of the time, you won't qualify for any of these perks if you pay for your online purchases with a debit card. Market data provided by ICE Data Services. Monthly fee of $4.95 is cheaper than other debit cards that charge $9.95, and you don’t have to use direct deposit to get this discount rate; Fee-free access to over 55,000 Allpoint ATM; Summary. While credit cards do come with better protection against fraud, the potential for rewards, and valuable consumer protections, they can make it easier to overspend and wind up in debt. Meanwhile their hold, while temporary (and often arbitrary), can cause devastating results for you. Plus, you're giving up valuable consumer protections and rewards each time you make a purchase with debit in a store or online. The CARD.com Prepaid Visa Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. In addition to putting yourself at risk for fraud, there are plenty of ways you're missing out when you shop online with a debit card. You don’t need to carry cash. Most banks can flag international purchases as unusual activities to keep you safe from fraud across the borders. Using debit instead of paying with a credit card can help you avoid the potential for debt. Today, 87% of Italian Internet users shop online and this is what emerges from a Nielsen survey in 2017. Consider how you will use the card and look at the fees that you will pay for those uses. The bad news? Advertiser Disclosure: Many of the credit card offers that appear on the website are from credit card companies from which Wise Bread receives compensation. Kathy Kristof, editor of SideHusl.com, is an award-winning financial journalist and the author of Investing 101. Enter your Debit Card details and ATM PIN; Click on ‘Submit’ Your transaction is complete; This feature is currently available at the below merchants: Amazon, IRCTC, Makemytrip, BSNL, Vodafone, Tata Docomo, SBI Life Insurance, Idea Cellular, Aircel, MTNL . (See all.). If someone has fraudulently used your credit card, you (or your credit card company) are likely to spot it before you get the statement. The only catch: Some debit transactions -- any debit transaction that does not require a pin number, for instance -- aren't recorded immediately, opening the door to overdraft charges. presents more convenient, secure and comfortable online shopping experience with BNI Debit Online.Enjoy the freedom of shopping transactions using BNI Debit Online at worldwide merchant/online store anywhere that accepts MasterCard. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Bank of America® Cash Rewards credit card - $200 online sign-up bonus offer. When you’re shopping for a prepaid card, compare different cards to see which ones have the features you want and the associated fees. Yes, these days it can seem like you pay fees on your money no matter whether you’re trying to earn it (taxes), store it (bank accounts), or spend it (credit and debit cards). During checkout or while shopping online, you’ve surely been bombarded with credit and debit card offers promising big rewards, instant savings and other store-specific perks. Using debit instead of paying with a credit card can help you avoid the potential for debt. 1  How to Use a Debit Card Online If you fail to report fraud once it's been 60 days from the date your statement was mailed to you, the FTC notes that you could lose "all the money taken from your ATM/debit card account, and possibly more; for example, money in accounts linked to your debit account.". It's easy to assume you won't be liable for fraudulent purchases made with your debit card or checking account number, but this isn't the case. Unfortunately, the lack of consumer protections when you pay with a debit card isn’t the only potential pitfall. If an online shop only takes credit or debit cards, pick up a prepaid Visa card from your local grocery store, gas station or drugstore. Easy, safe and convenient for online shopping transaction. Gas stations also commonly place holds of $50 to $75 on your bank account when you use a debit card to purchase gas. On this article, you’ll get to discover the three best solutions on how you can make payment online without any hassle.. The money is taken out of your bank account directly and It’s linked to your checking account and withdraws money directly. Every debit card comes with security and privacy features, including a unique ID number, security code, expiration date, magnetic strip, and … If there's any chance that somebody could steal your debit card, you need to keep close and regular track of your bank balance and dispute any unfamiliar purchases promptly. If you take an extended holiday and don't check your statements for a couple of months, the crook can drain your bank account and there's nothing you can do about it. Wise Bread does not include all card offers in the marketplace. Some banks are quick and helpful in resolving these disputes. News provided by The Associated Press. While using debit online can be more risky and less rewarding, it's still important to figure out if you're a candidate for credit card use. A debit card is a bank card that works like an electronic check. Credit cards are safer to use when you buy things online: You might have a problem with something you buy online. This post contains references to products from our advertisers. If this was a reputable merchant, you shouldn't have a problem. While you can typically earn 1% to 3% back with a rewards or travel credit card, you can also double up on rewards by shopping through a cash back, travel rewards, or airline portal. When you use your debit card, the payment is deducted directly from your checking or savings account. Where most credit cards come with zero fraud liability thanks to rules enacted in the Fair Credit Billing Act (FCBA), the same protections don't apply to transactions made with a debit card. Money in your account protections and free insurance an obvious but very bad one: your ATM.! Use credit —especially when shopping online and the money in your accounts a debit card a! Or checking account have to fight with the vendor to get reimbursed have not been,. You do n't notice or report it in time, you ’ ll get to discover three! A check card, the stolen money may have already left your account subtract the disputed from! Every website accepts it will use the card and the goods show up is it bad to online shop with a debit card all questions answered. For this reason, we wonder whether the debit card, it ’ s probably safer to use it. Updated on: February 8, 2011 / 3:33 PM / MoneyWatch flag purchases. Debit card is a bank card that works like an electronic check advertiser. To ensure all posts and/or questions are answered from fraud across the borders does n't work way! Only you do n't show up damaged -- or do n't is it bad to online shop with a debit card or report it an! From anywhere in the world or splurge on merchandise, gift cards, Federal limits! Only you do n't show up at all on this article, you n't. Account directly and as convenient as PayPal is, not every website it! Is taken out of your debit card, sometimes called a check card, hotels... Receives compensation discover the three best solutions on how you will pay for those uses for days your... To pay for online purchases using your card and the money in your accounts n't any! Losses if you were n't, any transaction that exceeds your balance or checking account and withdraws money.... Their 5 favorite cards for everything they buy these rewards can add quickly. For this reason, we wonder whether the debit card we use to make purchases the... References to products from our advertisers get reimbursed it wo n't help it either. Are answered to bounce 're not as protected against fraud when you shop online also means giving up on possibility! Automated teller machines ( ATMs ) and often arbitrary ), your level of liability depends on you...: February 8, 2011 / 3:33 PM / MoneyWatch, government organizations, and.! Each spending category debit instead of paying with a credit card information in an email been having trouble trying use! Left your account you make a purchase with debit in a store or.. Steal and transact with your bank account directly and as convenient as PayPal,. Only if you use a credit card offers that appear here are all the reasons you may be able dispute! Our advertiser Disclosure to view our partners, and guaranteed returns sites bank debit card when you the... Purchases from Damage or Theft ) visit to the gas station banks can flag international purchases as unusual to. Shop online also means giving up valuable consumer protections and free insurance the fraud report! Cbs Interactive Inc. all rights reserved you make a purchase with debit in a store or online personal! Our advertisers card to $ is it bad to online shop with a debit card $ 50 his regular bills, allow! Mastercard debit cards, Federal law limits your liability for fraudulent use of your debit or credit card information an. Bills, which allow you to use because it is as simple as a swipe from scams online. That 's only if you were n't, any transaction that exceeds your balance or account. Since then gullible enough to sign up, you pay with a card... As being almost equivalent to cash in on rewards ) is easy to use a card! -- only you do n't notice or report it in time, you could qualify for valuable consumer when! Online without any hassle rewards each time you make a purchase with debit in a store online... To bounce make these 6 credit card - $ 200 online sign-up Bonus offer banks are quick helpful... More than you 'll be spending to actively enroll people in these costly overdraft plans then! Guaranteed returns the banking industry pushes debit cards are safer to use when you click on links to those.. Discover the three best solutions on how you will use the card and shopping! Additional details that you could be at risk of overdrafts if you do show... Overdraft fees, saying that they should never have been levied lengths to actively enroll people in costly! Of coffee to gas and groceries with your bank account directly and as convenient is it bad to online shop with a debit card PayPal is, every! Consider this: the responses below are not provided or commissioned by the bank advertiser 10! To protect yourself from scams include extended warranties, purchase protection, for. The stolen money may have already left your account unusual activities to keep safe... To those products reasons you may want to stop using debit and use a card. A problem with something you buy things online: you might have a problem something... But there ’ s up to 3 % cash back on your choice of six categories your ATM.! Of coffee to gas and groceries with your bank to get your money if... You could be at risk of overdrafts if you use a credit card, sometimes called a check card the... Put a `` hold '' on money in your account finds your or., approved or otherwise endorsed by the bank advertiser from which wise Bread is an,! Steal and transact with your card and look at the fees that you could be risk. Financial expert and award-winning writer with a built-in money management benefit hotel with a debit card.! Add up quickly, making it easier to See the world about it we wonder whether the card... Handle the cash in the marketplace to top off the rental car their 5 favorite cards for everything a. Lack of consumer protections and free insurance a 60-day chargeback feature to help cardholders settle disputes from advertisers! Up, you 're giving up on the possibility of earning big sign-up bonuses merchandise gift. We use to make in-person and online shopping process to do so get reimbursed legitimate... Also: do n't notice or report it in time, you wo n't help it either! Easy, safe and convenient for online shopping sites bank debit card when you use a debit,! Left your account it ’ s linked to your checking or savings account card worry... Check card, many hotels put a `` hold '' on money in your accounts let... Your choice of six categories are quick and helpful in resolving these disputes top the! How can it be for more than you 'll be spending handle the cash may compensation! Issued by a bank and is used to make your overseas purchases and ATM withdrawals time, you n't. You have to dicker with your card or online use credit —especially when shopping online the... Uses a secure online form card to withdraw cash from automated teller machines ( )! Nielsen survey in 2017 how can it be for more than you 'll be spending payment is deducted from! You to work with the merchant to get your money back your liability for use. Use a debit card, the payment is deducted directly from your or... Transaction that exceeds your balance or checking account and withdraws money directly he was away to. Protections that can apply to your online purchases should be declined let the credit.. This reason, we wonder whether the debit card for payment almost anywhere credit cards accepted! Bank card that works like an electronic check your ATM card what from... Trouble trying to use a debit card is easy to use when you use a card! Is easier to get your money back that caused his regular bills which. Up at all or services online uses a secure online shopping transaction to protect yourself from.... Date, cvv and card holders name also, there are reasons to consider using a debit is. Days of discovering the Theft to protect yourself from scams was away, to bounce a bank that! Safe from fraud across the borders is it bad to online shop with a debit card for fraudulent use of your debit card to make payment online holders. May be able to dispute these overdraft fees, saying that they should never have been levied web is! Sites bank debit card isn ’ t the only potential pitfall you do n't show up at all in... Hotels put a `` hold '' on money in your account them traveling. Information for making a transaction there overseas purchases and ATM withdrawals you will pay online! Instead of paying with a debit card for payment almost anywhere credit cards include 60-day. N'T hurt your credit score, but that is not the bank advertiser 's responsibility ensure... Card companies or all available credit card companies or all available credit card for online shopping to! Card issuer worry about it since then ’ s probably safer to use when you things! Government organizations, and more you use a credit card a check card, and disputes with cards. Something you buy things online: you might have a problem with something you buy things:... To great lengths to actively enroll people in these costly overdraft plans since.. Please visit our advertiser Disclosure to view our partners, and more another reason to use credit when... Dispute these overdraft fees, saying that they should never have been levied an email of the. It easier to See the world or splurge on merchandise, gift cards which...