Question 1

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 2

What is currency exchange rate?

Accepted Answer

The exchange rate is the value of one currency in terms of another. Banks add a markup (1-3%) to the mid-market rate when converting currencies. Rates fluctuate constantly based on economic factors.

Question 3

Do banks charge for ATM withdrawals?

Accepted Answer

In-network ATM withdrawals are usually free. Out-of-network ATMs may charge $2-$5 per transaction, plus your bank may add its own fee. International ATM withdrawals often include foreign transaction fees.

Question 4

What should I do if my card is stolen?

Accepted Answer

Immediately call your bank to report the theft and freeze your card, monitor your account for unauthorized transactions, file a police report if necessary, and request a replacement card with a new number.

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Frequently Asked Questions

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

What is currency exchange rate?

Do banks charge for ATM withdrawals?

What should I do if my card is stolen?

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