Question 1

What are digital wallets?

Accepted Answer

Digital wallets like Apple Pay, Google Pay, and Samsung Pay store your payment information securely on your phone. They use tokenization and biometric authentication for secure contactless payments at merchants.

Question 2

How do I cancel automatic payments?

Accepted Answer

Contact both the merchant to cancel authorization and your bank to stop payment. Notify at least 3 business days before the scheduled payment. Confirm cancellation in writing and monitor your account for any subsequent charges.

Question 3

What is the difference between a debit card and a credit card?

Accepted Answer

A debit card uses your own money from your bank account, while a credit card borrows money from the lender that you must repay. Debit cards help avoid debt and interest charges but offer less fraud protection and don't build credit. Credit cards can build credit history, offer rewards, and provide better purchase protection.

Question 4

What is an electronic debit card?

Accepted Answer

An electronic debit card (also called an EBT card or e-debit) typically refers to cards used for government benefits like SNAP (food stamps) or cash assistance. It works like a regular debit card but accesses benefit funds rather than a personal bank account. The term can also refer to any standard debit card used for electronic transactions.

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Frequently Asked Questions

What are digital wallets?

How do I cancel automatic payments?

What is the difference between a debit card and a credit card?

What is an electronic debit card?

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