My First Debit Card

**felics** · January 20th, 2008, 06:16 AM

I have applied for my debit card online through an American bank with very little initial funding. I have paid the initial charges and the monthly fee is very affordable. And I can use it anywhere in the world as long as the establishments where I make my transactions have a logo of my card in them. And I am from south east Asia. Is this true?

**princess08** · January 20th, 2008, 07:18 AM

Originally Posted by 100683

I have applied for my debit card online through an American bank with very little initial funding. I have paid the initial charges and the monthly fee is very affordable. And I can use it anywhere in the world as long as the establishments where I make my transactions have a logo of my card in them. And I am from south east Asia. Is this true?

Hi Felics,

I dont see why you wouldnt be able to use your card internationally you will find that many banks offer international use, I can use my debit card anywhere in the world as long as the bank or cashpoint is showing the logo, one thing you may want to find out though is what are the charges for withdrawal when using it internationally, as my bank charges a lot for international withdrawals.

**Finance Globe** · January 20th, 2008, 11:25 PM

Give your creditor a call ahead of time and let them know where you will be travelling. This can help void their fraud protection alert system so you won't have any problems using the card.

**princess08** · January 21st, 2008, 07:20 AM

Hi

Good point FG! I had this problem twice when travelling in Cyprus they stopped me withdrawing as they throught it was being used fraudluently and I had to ring them to confirm it was me, it was really inconvenient and so definately worth doing.

**hjm331** · January 23rd, 2008, 11:07 AM

Meya has some experience with debit cards. Maybe you should message her and see what she has to say.

**jnjsarauer** · January 23rd, 2008, 03:19 PM

I have to notify my debit card provider whenever I travel out of the state where I live. They told me that I could have that provision lifted to avoid the need for notification, but to me, it's a safety feature.

**Meya** · January 24th, 2008, 12:00 PM

Originally Posted by 100379

Meya has some experience with debit cards. Maybe you should message her and see what she has to say.

Never had a problem with debit cards lil bro. I treat them like they are my life, I carry debit cards from my bank because I dont like to carry cash. I put every dime int he bank, sometimes I will keep like seven bucks or so to myself and that is because I have to cross the bay bridge at times ($4).

**Postman** · January 24th, 2008, 05:20 PM

I have given up my first debit account years ago because at that time I don’t have any job. I thought of investing my savings from debit account and form a business but, sadly I don’t have any success running my own business at that time.

**hjm331** · January 24th, 2008, 11:13 PM

Postman, what type of business did you attempt to run? I'm trying to do that right now. It is NOT easy nor fun. It's very stressing and nerve wracking especially when you don't have enough customers coming up to even cover your costs let alone making a profit for paying your bills.

**Postman** · February 8th, 2008, 05:22 AM

Originally Posted by 100379

Postman, what type of business did you attempt to run? I'm trying to do that right now. It is NOT easy nor fun. It's very stressing and nerve wracking especially when you don't have enough customers coming up to even cover your costs let alone making a profit for paying your bills.

At that time I was pursuing a business about programming service. It is really sad because I wasn’t that knowledgeable yet on programming. I think that I will succeed this time, but I got my eyes on the internet. I’m thinking that having a blog is more profitable because I can earn dollars instead of our local currency which has a low value.

**descorpio** · March 17th, 2008, 06:58 AM

I have got my debit card only recently and i have not started using it. Sad thing is that i do not have any money to spend. Struggling to make both ends meet. So am happy that i do not spend much. lol.

**sophie** · March 18th, 2008, 12:56 PM

I hear you about not having any money to spend, when I do I use my credit card. I never use my debit card. I pay bills online and never touch the cash. It burns faster then anything else in my hands.

**dreamr802** · April 14th, 2008, 09:58 AM

Yeah definitely call ahead of time so then they won't flag your card and think that it's stolen. Even traveling within the USA I still call just to make sure that nothing gets flagged because that's the last thing you want to happen to you when you are on vacation.

**lyyssa01** · April 14th, 2008, 01:49 PM

I've had my debit card flagged a few times. But they didn't start scrutinizing it until after an outside source really tried to access it. They caught it because two transactions went through at the same time, one from Greece and one from Russia. The amount was for our entire amount in the bank at the time.

The fraud dept. immediately cancelled the transactions before any money could be taken out and called us. They monitored our debit use for the next few weeks. Since then, whenever we go a little crazy with the debit card they call us. They even called us one time after heavy use of it when Christmas shopping, and went through several stores where we had made purchases.

**Postman** · April 24th, 2008, 05:09 AM

My first debit card is BPI to which is only applicable in our county. I remember that I have closed my account to get my business going but sad to say that I failed due to lack of experience. Now I have a Union Bank which can be used outside my country and Metrobank for local ones.