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What seemed weird when I visited your country

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bainidhe_dub:
I have a debit card that can be processed either as credit or debit, but either way it comes directly out of my checking account. It's just a matter of whose system processes the transaction, Visa or ...the debit people(??). For credit I have to sign; for debit I use my PIN and can get cash back.
I usually do debit out of habit, since I don't get charged by my credit union to use it.

Does anyone have experience with the Wells Fargo Home Rebate credit card? I'm thinking of getting one since WF owns our mortgage.

LTK:

--- Quote from: Loki on 05 Mar 2014, 13:13 ---My German debit card has a Maestro logo on it, as do 99% of the debit cards I've seen here.

--- End quote ---
Huh, must be just the Dutch and Germans then. I guess it's more secure to have separate credit and debit cards - you couldn't do shit with my debit card without the PIN, even if you have it in your hand - but given my frequency of international purchases I'd much rather have just one card that works for everything.

Akima:

--- Quote from: LTK on 05 Mar 2014, 12:31 ---That's actually really convenient. Why don't more countries do it like this?
--- End quote ---
That's how my card works in effect. The same card, which is branded as a credit card, actually acts as both a credit card and a debit card. At bank ATMs, or retail EFTPOS terminals, I choose which account I want to draw from, type in the appropriate PIN for that account, and I'm done. At the moment you can still sign for credit-card transactions, but that is being phased out, and from 1st August 2014 only PINs will be accepted in Australia.

Thrillho:

--- Quote from: nekowafer on 05 Mar 2014, 14:21 ---Yup, my debit card looks exactly like my credit cards, aside from also having my picture on it.

--- End quote ---

Please tell me it's a picture of your sugary sweet ass.

bhtooefr:
Chip and PIN has some serious security flaws (there are ways to produce a magstripe card from skimming the chip and PIN data), but it does fix some security problems by changing the card processing flow to require that the cardholder be at the card terminal to enter their PIN.

The signature system used in the US is a massive joke, really. (And, in many sit-down restaurants, your card often ends up being taken out of sight to be run through the credit card terminal, then they come back with the receipt to sign.)

Debit cards in the US are magstripe-and-PIN, for what it's worth.

Also, the workflow for self-scan POS usage of debit cards here in the US... if you scan it, and it's detected as a debit card, generally the terminal will present options related to processing it as a debit card, but you can cancel out of that, and then select to process it as a credit card. IIRC, as a debit card, your bank (and sometimes that gets passed onto you) pays the transaction fee, and it's a magstripe-and-PIN transaction (the PIN is sent to the bank to verify, rather than to the card), and you can choose to withdraw additional funds above the purchase amount. As a credit card, the merchant pays the transaction fee, it's magstripe-and-signature, and you can't withdraw additional funds.

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