Successfully Reverse A Debit Card Overcharge

After a night out on the town and an $800 charge on her debit card for one drink, the Examiner's Mary Schwager discovered that reversing charges on your debit card can be a challenge. Here's what she learned about undoing the damage.

Photo by neilt.

Apart from suggesting that you use a credit card instead of debit whenever possible, the author points out that the one rule of thumb for using a debit card is to always, always, always ask for a receipt. This is all the more important where larger transactions that detail multiple items are concerned. Receipt in hand, the first step is to call the merchant. If s/he offers to call your bank for you, step in and do the calling yourself, then conference in the store manager/owner if needed. It is important that you cut out the middleman and remain directly involved throughout the process.

Browse the post for the full details and, if you've been hit with an improper card charge, tell us how you managed to resolve the error in the comments.

Disputing a Debit Card Overcharge in a Hurry [Examiner via Consumerist]


Comments

    Hi there after recently staying at a hotel for a night and paying 180aud on my debit card with a 100aud bond as well, a hotel proceeded to charge me and additional 80aud on top of this for a hint of cigarette smoke the next day. Is this propper conduct to firstly charge without alerting me, and secondly to take anything above the bond amount?

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