Question 1

Can I use my debit card as a credit card?

Accepted Answer

Yes, most debit cards can be run as 'credit' at checkout by selecting 'credit' instead of 'debit' and signing instead of entering your PIN. The money still comes from your checking account, but it processes through credit card networks (Visa/Mastercard). This doesn't build credit or change how funds are withdrawn.

Question 2

Can automatic payments overdraw my account?

Accepted Answer

Yes, automatic payments will process even with insufficient funds, causing overdraft fees. Monitor your balance, set up low-balance alerts, maintain a buffer, or link overdraft protection to avoid fees.

Question 3

How do I read a credit card statement?

Accepted Answer

To read your credit card statement: check your statement balance (total owed), note the payment due date and minimum payment, review all transactions for accuracy, look at fees and interest charges, check your credit limit and available credit, and verify your rewards or points earned. Pay attention to the grace period to avoid interest.

Question 4

What should I do if I find an error on my statement?

Accepted Answer

Contact your bank immediately (within 60 days) to dispute the error. Provide transaction details, explain the issue, and request a correction. Banks typically investigate and respond within 10 business days.

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Frequently Asked Questions

Can I use my debit card as a credit card?

Can automatic payments overdraw my account?

How do I read a credit card statement?

What should I do if I find an error on my statement?

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