let's say i'm negative in my account...i know i cant use debit...can i still use the credit on my card?

Question

i have to pay for some important things...my debit card has debit and credit...can i still use credit even though im negative?

Answer 1

No you can't use it as a credit..... as every transaction goes through your checking account...... wether it is debit or processed as a credit transaction.......

My understanding of your question, you are thinking that processing the transaction as a credit that it will work like a credit card account..... however this is NOT true..... any transactions that you make and I do mean ANY..... will be processed almost always immedatly through your checking account........... so my suggestion is wait till you have the money in your account before using the card..... if you don't have enough to cover the amount that you are trying to use your card for then it will come back as "DECLINED"

Say you have $22.50 in your checking account,,,,, and what you purchase comes to $31.75 no matter what way you do it as either "Debit" or "Credit (with your debit card)" it will come back as "DECLINED"

Think of it this way:

Debit Cards are not Credit Cards

Answer 2

If they're on the same single card, you have to have the money available before you can use it as a debit or credit card. You would need a different card with a credit that is a separate buy now, pay later account.

Answer 3

No. You will still be overdrawn and incur a lot of overdraft charges.
A credit just takes a day or two longer in some instances to process than the debit, and a credit part you don't have to use your pin number, but it is NOT a credit card.
Be careful there or you will have more trouble than you think.

Answer 4

It depends on the method you use, because different credit card scanning systems use varying rules. In general, even though your debit card can be used as credit, it doesn't really work like having an emergency credit card on hand.

For instance (this is directly from my bank, Wachovia, since I've been in your situation, with no gasoline to get home) if you go inside a gas station and try to prepay with your credit card - running it as credit - the system will try to call up your balance first, and there's a good possibiity you can't spend and your card will be rejected by that company.

But if you scan at the pump and run it as credit, the pump's scanner does not call up your balance - and you can spend.

So the answer is yes, but in limited situations.

Answer 5

No you cannot. When you swipe your card somewhere using the credit feature, the vendor usually pings $1 against your account to ensure that you have money. Even if you had overdraft protection, the ping would return negative.

Answer 6

no you cannot as soon as you try to use it it will say insufficient funds. Whether its credit or debit it automatically goes through your account.

Answer 7

I work for a bank and the answer is NO! especially if its a visa check card attached to your checking account.

Answer 8

No it would say insufficient funds and you would be charged..

Answer 9

No....more than likely it won't go through.

Answer 10

I think so but they'll charge you a lot of fees.