Visa Debit/Credit card protection - HotUKDeals
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Visa Debit/Credit card protection

Dub1 Avatar
8y, 5m agoPosted 8 years, 5 months ago
Does anyone no if you have the same protection you would get with a visa credit card if you shop online with the visa debit card (from Llyods TSB) its a visa debit card and not an electron
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Dub1 Avatar
8y, 5m agoPosted 8 years, 5 months ago
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#1
Yes see here
I think this issue was highlighted with the musthave100 debacle that occured.
#2
ok i only asked as i just joined Lloyds and she said it wasnt covered the same as a credit card so i wasnt sure
#3
Lloyds offer excellent protection on their Visa debit, well they did me when someone decided to spend £800 of my money on a new computer at Dell.

They noticed that someone had done a couple of £1.00 tester transactions at i-Tunes and refused the Dell transaction, refunded the i-Tunes ones, cancelled the card and issued another, which I got within 48 hours.

I asked what would have happened if the Dell transaction hadn't been refused and I was told that I am protected through them, as are all Lloyds Tsb Visa Debit customers.
#4
Thanks Den38 shame all fo there staff dont no this as she told me i was 100% not covered
#5
Dub1;2411919
Thanks Den38 shame all fo there staff dont no this as she told me i was 100% not covered


This advice is very common by some banks. It's to try and get you to sign up to payment or ID protection insurance. Barclays tried to do it to me. Totally unethical exploiting peoples fears
#6
My mrs works in a bank and she says because debit cards come straight out of your account they don't offer any protection under the consumer credit act.
The protection you do get is simply limited to fraudulent access and is very limited.
Say you buy something on debit card, the merchant goes under and the expensive item fails, you are stuffed, Whereas with a credit card you can still claim under the warranty against the credit card company.
Obviously this is a gross simplification but gives you an idea of the difference.
#7
maddogb;2412788
My mrs works in a bank and she says because debit cards come straight out of your account they don't offer any protection under the consumer credit act. he protection you do get is simply limited to fraudulent access and is very limited. Say you buy something on debit card, the merchant goes under and the expensive item fails, you are stuffed, Whereas with a credit card you can still claim under the warranty against the credit card company. Obviously this is a gross simplification but gives you an idea of the difference.


I have never expected protection with a debit card.

But misleading to be told that credit cards no longer have any protection of any sort because "the rules have changed" Many employees are under pressure to sell more and more products to cutomers. OK but they should not mislead people in the process
#8
iglimpse
I have never expected protection with a debit card.

But misleading to be told that credit cards no longer have any protection of any sort because "the rules have changed" Many employees are under pressure to sell more and more products to cutomers. OK but they should not mislead people in the process


sorry not sure what you mean by that?, who's saying no protection on credit cards?
#9
I was told by Barclays that the rules had changed and there was no longer any form of protection of credit cards. Fortunately I knew this was not true but I wonder how many others fall for this
#10
iglimpse
I was told by Barclays that the rules had changed and there was no longer any form of protection of credit cards. Fortunately I knew this was not true but I wonder how many others fall for this


wow they can get in big trouble for that, you should get a name, amazing after all the heat banks have had over charges etc
#11
It was a year ago now. The only reason I went in was to find out why £13 was comming out of my account. Discovered someone had decided to "upgrade" my account for some benefits that incurred a monthly fee. I should have done something about it.

Vert sad the pressure bank employees are under to push and sell products. Shoul not make them mislead people. Always some bad apples everywhere giving others a bad name

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