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Four Risky Places To Use Your Debit Card Abroad - Business - Nairaland

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Four Risky Places To Use Your Debit Card Abroad by Adesiji77: 12:11pm On Jul 08, 2016
When using debit cards to shop abroad, it can either provide forex to the tourist through the Automated Teller Machine or pay for items in sho Point of Sale machine.

Debit cards allow the owner access to only the balance available in his account.

Jibike Igbayiloye was on a visit to the United Kingdom and had plans to buy some items while on holiday.

She had visited some boutiques and paid for many things she bought with cash until she had no more forex; so, she continued her shopping, using her debit cards on the PoS.

Because she might need some cash to pay for certain items, Igbayiloye decided to enter into a banking hall in the shopping mall to withdraw some forex from the ATM.

Unfortunately, the ATM swallowed the only debit card she took with her to the UK without giving her the required cash.

Igbayiloye went to the complaint desk of the bank to present her problem. She was told to go to her bank to get the card.

She complained that her bank was in Nigeria and there was no way she could reach the bank, but the bank official insisted that she should send an email or call the bank.

Igbayiloye said she would be stranded without the debit card because she had no cash with her and that it was the only card she was using to do everything in the UK.

She pleaded with the bank to open their ATM machine and bring out her debit card as she had no other option to get money.

The bank official decided to consider her plea and took her to an office where she was attended to by another employee.

After several efforts to get it out for her, the employee asked her to provide her means of identification, which she did not hold with her.

Igbayiloye had to rush to the train station and she used her oyster card to enter a train back home to pick her international passport before the bank would close for the day.

When she got back to the bank, she showed her passport and her debit card was returned to her.

Many tourists’ debit cards had been swallowed by the ATM abroad but were not as lucky as Igbayiloye, especially when they used the ATMs that were not within the banking hall where anyone could promptly lodge a complaint.

If a tourist must use his debit card to withdraw money from an ATM abroad, it is advisable that he should have another debit card usable abroad as a substitute.

While the use of debit card can give easy access to purchase anything the buyer wants, it can also cause some headache when things go wrong.

Depending on where a person is using the debit card, the selling firm may put a hold on the money, which can take the bank some days to free.

Again, if a person buys an item abroad with his debit card and returns it to the store, the store can only return his money to the debit card. In some instances, the money hangs and he may not get it back when he returns to his country. This may require him lodging a complaint to his bank to rectify the problem.

An online report by http://mycwcu.com gives some tips on how to use a debit card.

You can be devastated if your bank account is emptied. The online report suggests that you should open a second account and tie your debit card to it.

It adds that you should fund the second account only with money that is used for debit card activity so that your principal account won’t be at risk in the event of a breach.

According to BankRate.com, there are four places people should be wary of using their debit cards:

Independent ATMs – People run the risk of falling for the tricks of scammers. Scammers are less likely to be found around an ATM within a bank premises because of the presence of security officials and surveillance cameras.
Pay at the pump – Scammers are not the only danger to wallet. The filling station will put a big hold on an account that could cause cheques to bounce. If a person must pay with debit card at filling station, he should go inside and pay at the cashier.
When buying online – Credit card is a much better option. If a person doesn’t get his goods, he can do a chargeback during a 60-day window.
At a restaurant – Because there is such high turnover at restaurants, a person does not want a dishonest employee to get hold of his digits.

http://punchng.com/four-risky-places-use-debit-card-abroad/

5 Likes 5 Shares

Re: Four Risky Places To Use Your Debit Card Abroad by NathanBabs(m): 2:20pm On Jul 08, 2016
ok nah
Re: Four Risky Places To Use Your Debit Card Abroad by Nobody: 2:20pm On Jul 08, 2016
grin
Re: Four Risky Places To Use Your Debit Card Abroad by joyli: 2:21pm On Jul 08, 2016
Op, what if you use PayPal?
Re: Four Risky Places To Use Your Debit Card Abroad by Proffdada: 2:22pm On Jul 08, 2016
Only risk is POS undecided

1 Like

Re: Four Risky Places To Use Your Debit Card Abroad by kinzmen: 2:23pm On Jul 08, 2016
[quote author=NathanBabs post=47332415]ok nah[/quote nawa for u.... Allow me hit ftc @lest once embarassed
Re: Four Risky Places To Use Your Debit Card Abroad by ichommy(m): 2:23pm On Jul 08, 2016
Punch self, Make I kukuma use cash den. nah inside toilet I go use debit card?

1 Like

Re: Four Risky Places To Use Your Debit Card Abroad by centboy123456(m): 2:23pm On Jul 08, 2016
joyli:
Op, what if you use PayPal?
abeg nor mind that guy he nor know waiting he dey talk

1 Like

Re: Four Risky Places To Use Your Debit Card Abroad by Neyo230(m): 2:23pm On Jul 08, 2016
..
Re: Four Risky Places To Use Your Debit Card Abroad by olarhtunji(m): 2:24pm On Jul 08, 2016
Thank God IYa moria Alamala does not know how to operate POS na cash and chop

2 Likes

Re: Four Risky Places To Use Your Debit Card Abroad by Taryur3(m): 2:26pm On Jul 08, 2016
Na that online order kill me pass.dem go chop my money without sending the items...and I have no time to track it.
Re: Four Risky Places To Use Your Debit Card Abroad by Nobody: 2:28pm On Jul 08, 2016
She is indeed lucky but if na for naija eeh, nwanne forget the card and go apply for new one since that ATM doesn't belong to your Bank. The only country where people count their money after marking use of ATM,
Re: Four Risky Places To Use Your Debit Card Abroad by raziboi(m): 2:37pm On Jul 08, 2016
SHE'S SO LUCKY...
IN 9JA NOBODY IS READY TO TALK 2 YOU....
GO TO YOUR BANK AND REQUEST FOR A NEW ONE.....


ANYWAY I DONT BLAME NIGERIA SINCE MOST OF OUR LEADERS ARE ANSWERING MONEY LAUNDERING CASE...
SENATE PRESIDENT IS ANSWERING CRIMINAL CASE..
PRESIDENT FIGHTING CORRUPTION buh forget his working with ameachi!!!


CRIMINALS... BUNCH OF CRIMINALS!!!

1 Like

Re: Four Risky Places To Use Your Debit Card Abroad by Lordtrillion(m): 2:46pm On Jul 08, 2016
Nice info
Re: Four Risky Places To Use Your Debit Card Abroad by teejaypee: 2:50pm On Jul 08, 2016
nice! Thanks Op!
Re: Four Risky Places To Use Your Debit Card Abroad by Pavore9: 2:54pm On Jul 08, 2016
My own case was cash was not dispensed while withdrawing from an ATM in Kenya but l received alert. Went to the bank and was told to refer to my home bank in Nigeria......It took them 2 months of insults and begging to reverse the transaction!
Re: Four Risky Places To Use Your Debit Card Abroad by Eleniyan15: 3:02pm On Jul 08, 2016
NoT bad
please don't forget to check my signature and stand with Him
gracia
Re: Four Risky Places To Use Your Debit Card Abroad by Nobody: 3:40pm On Jul 08, 2016
ok
Re: Four Risky Places To Use Your Debit Card Abroad by professore(m): 4:10pm On Jul 08, 2016
Many tourists’ debit cards had been swallowed by the ATM abroad but were not as lucky as Igbayiloye, especially when they used the ATMs that were not within the banking hall where anyone could promptly lodge a complaint.[Quote]

Nice post overall.
Re: Four Risky Places To Use Your Debit Card Abroad by Generalkorex(m): 4:32pm On Jul 08, 2016
ok
Re: Four Risky Places To Use Your Debit Card Abroad by mcversatile(m): 5:01pm On Jul 08, 2016
Noted
Re: Four Risky Places To Use Your Debit Card Abroad by phaulzoe(m): 5:23pm On Jul 08, 2016
thanks 4 observation.... at least have learnt something
Re: Four Risky Places To Use Your Debit Card Abroad by LordofNaija: 5:34pm On Jul 08, 2016
Nigeria is completely doomed. I'm off to Niger.
Re: Four Risky Places To Use Your Debit Card Abroad by echelons(m): 8:06pm On Jul 08, 2016
That's why my credit card comes handy.
I dispute any failed transaction immediately and the bank's money will be held pending when it is resolved.
Can't even remember the last time I used my debit card.
Re: Four Risky Places To Use Your Debit Card Abroad by Paulpenny(m): 8:28pm On Jul 08, 2016
Informative wink
Re: Four Risky Places To Use Your Debit Card Abroad by tola9ja: 9:27pm On Jul 08, 2016
payoneer

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