Debit card

[socalgoblin]

I was wondering if you can get the 0 upfront cost using a debit card ? Has anyone tried?,and if you do use a debit card and they run the credit amount how much needs to be on the card?

[TNGTony]

DO NOT EVER EVER EVER USE A DEBIT CARD AS A CREDIT CARD!!!! You could be VERY sorry you did. Debit cards do not afford you the same legal protection agaist fraud. Unlike a credit card, the vendor gets YOUR money right away. If there is a problem you have to get it back from them! There is not credit card company to firght for you. It's up to you to get the money back.

With a credit card you have a limit (usually $50 liability) on fraud. You have no fraud protection with a debit card.
With a credit card you have a process to challenge charges on your bill, and while the challenge is being investigated YOU KEEP your money. With a debit card, there is no challenge process though an intermediary. It's you against the company that already has your money.


I know Voom is a respected company, but if you have any problems, if some one makes a mistake, you are screwed if you use a debit card. Same goes for Dish and Direct or ANY business. Debit cards should be used very causiously. Remember that the debit card account number is giving people access to YOUR BANK ACCOUNT!

See ya
Tony

[shaun-ohio]

nope, voom wont take a debit card for nothing, i have tried 3 times and they just wont take one, credit cards only, and no personal checks either.

[Wills77]

nope, voom wont take a debit card for nothing, i have tried 3 times and they just wont take one, credit cards only, and no personal checks either.
Hmm... that seems strange! I set up my account with my debit card. As long as the debit card has a Visa or MC logo on it you will be just fine. Ive been up and running now for about 3 months with no problems.
I know E* is the same way with DC or CC it doesnt matter, not quite sure about D*!

[Oxayotl]

VOOM is not set up to use a debit card, with some customers it has double charged debit cards... and it could take up to 45 days to get your money back. There is a good reason why VOOM does not accept debit cards.

-Ox

[cameron119]

VOOM is not set up to use a debit card, with some customers it has double charged debit cards... and it could take up to 45 days to get your money back. There is a good reason why VOOM does not accept debit cards.

-Ox

LOL, how could it "doublecharge" an account when any withdrawl made via Visa, whether it be Credit or Credit via debit, follow the same basic process? If you were double charged, it was a blatant error, not the fact that you used a debit card with a Visa logo.

[iceshark]

VOOM DOES TAKE DEBIT CARDS> read my prior post or go to voom website look at terms and conditions. IT clearly states you may pay with debit cards.
I and my friends and family all used check cards to hook up service.

Oh yea two other things.
Debit card is a ATM card. NOt visa or mastercard logo.
Check card is a ATM card with visa or mastercard logo.
There is a differance.

Above post is correct about hard recourse for fraud with true DEBIT CARD>
However you are just as protected with Check card as you are with true VISA OR MASTERCARD when using your check card. As they give most of the same fraud protection with either with most major banks.

Hope that helps.

[TNGTony]

iceshark...you are mistaken. Check card and Debit card is a distinction without a difference. The logo and account number are strictly for processing the transaction through a global network rather than just the bank's. Other than the logo and ability to use the Visa/MC network to process the money transfer, it is a debit card.

Debit card...no matter what is printed on the card takes money that you already have in your account and automatically transfers it to another account (debits your account) upon completion of the transaction. Again Visa and Mastercard are just the networks used to accomplish this. IT IS NOT A VISA OR A MARSTERCARD no matter how they are treated.

Credit card...no matter what is printed on it, pays the vendor from an account at the credit card company (Grants you a line of credit). The credit card company then bills you and you pay the credit card company. If you don't pay the credit card company, they can come and collect, but you still have the money. BY LAW if fraud is suspected, you can invoke legal rights to challenge the claimed fraudulent activity. In the mean time YOU KEEP YOUR MONEY. If there is fraud, BY FEDERAL LAW your maximum liability is usually $50.

There is no such protection for a debit card. Some banks may offer it, but while the claim is being processed (if there is a claims process) YOU ARE OUT YOUR MONEY. You now have to get your bank to get your money back for you. If they fail, TOUGH TOENAILS for you! You have to rely on a good bank with VOLUNTARY fraud policies and people that enforce it.

Again, 99.9998734% of the time, there won't be a problem. The system works well or no one would use it. But it's that .0001266% you need to guard against. Using a Debit / Check Card like a credit card is playing with dynamite in your bank account. I suggest that if you want to continue to do this, you have a second account with the bulk of your cash and transfer only the money you need to the debit card (check card) account. This way if lightning does strike, you protected yourself a little.

Don't say no one ever warned you. It's your money, not mine.

See ya
Tony

[iceshark]

Sorry you are incorrect. I am not a banking specialist. However I am a Regional manager with a major retail company and just went thru legal training becuase of a legal snafu that until May 24th has caused us a major inconvienance accepting so called DEBIT cards for a monthly autocharge subscription program we have been running for 2 years.
We have tried our best to have our personel trained to check to see if someone is registering with a true credit card or refusing if it is a debit card.

Problem being mainly people balking when an autocharge causes a bounced check.

Regardless we have had to have our whole 3rd floor of attorneys for Viacom
take a year to figure out how to take debit cards and finally here is what legal transpired with the banking industry and you will see major marketing
advertising flood in a few weeks becuase of change to our policy regarding
debit cards.

here is some bulletpoints close to verbatim from legal ours and banking.
From FAQ questions of myself and peers at this meeting.

1. True debit cards will continue not to be accepted for sales of our (((((((( pass program as the banking industry considers any debitiing card WITHOUT a visa or mastercard logo to only be an ATM or account debiting card and dont fall under the same rules, both localy and federal as the Visa and Mastercard sponsered CHECK or Buisness Cards. Thus not offering the protection and federal protection structure our company feels it must uphold to protect the assetts of our shareholder and employees.

2.Only Check or buisness cards carry the Visa or Mastercard logo (soon AMEX may follow). THe main differance between a Debit or ATM card and these cards are the following.
A.Debit or ATM cards immediatly deduct debit from persons checking or savings account attached to and follow only banks guidlines.
b. Check or visa mastercard sponsered cards act as a credit card by only
putting a temp hold of 1 to 3 days funds electronicly reserved by card swipe at retail outlet and fall under both the local banks and Visa or Mastercards
policys as well.
c.Chargebacks can be ordered from bank on check cards and fall under same 30 day investigative review. with final outcome from drawing bank based on Visa and matercards and banks policys. Appeals may or may not be accepted.

d. Stolen check cards used on customers accounts in most cases will result in chargeback unlike atm card where it is not possible for chargeback so positive ID or signiture must be uptained.


Anyway I was no expert and still dont claim to be, However lots of questions in the field at these meetings were from peers of mine from around the country that had your same views. They were mostly all shot down from our legal and cash and banking reps. In fact one smartass started arguing saying
that his visa checkcard was used on the internet to buy merchandise and his back (wells fargo) said it was not protected like regular Visa. The lawyer from cash and banking got his name and had his office call Wells on day 2 of our meetings and what was found out was this guy never filled out the mail they sent him to contest charge (like they do all credit contested charges) and
Wells legal said there check cards chargeback and fraud procedures were identical with there standard visa procedures.


Maybe you work for a smaller bank that has differnet policys but they still must also meet visa and mastercards policys if the use logo.

MY TWO CNTS
:hurah:

[iceshark]

sorry for the weak spelling, Never would have got thru college without spellcheck!

Anyway was not trying to flame or harass. See you are a mod with major posts. I am just a newbie enjoying the forum. No offense intended!

My main reason for the original post was to inform people that Voom will let them use there debit card. What they do is up to them.>>>>
Back to VOOM
Later................. :p

[XVoomer]

Actually I had my voom taken out because voom said my visa check card is not a visa. They said I should get a visa just for them. I have had a very bad experiance with voom. I should have waited for the company to grow up first. They are the worst in customer service. Not to mention I had Direct TV, and it was way better all around.

[TNGTony]

I PERSONALLY in MY bank account, have had the issues I spoke about. Again, do whatever you wish. Don't say nobody warned you.

See ya
Tony

[kwajr]

VOOM is not set up to use a debit card, with some customers it has double charged debit cards... and it could take up to 45 days to get your money back. There is a good reason why VOOM does not accept debit cards.

-Ox
just tell them its a credit it runs through the same way

[iceshark]

Do I have too post it AGAIN!, Voom stated on there web site under terms and conditions that they DO accept Debit cards for service.
SO dont be lazy and go read it up a few posts or at VOOMS own web site.

Also Xvoomer guest. I think you are full of something. Voom takes debit or check cards. and I highly doubt they came and took your system away becuse of your check card. How would they know it was a check card and they accept check cards. Probably did not pay your bill as thats the only non voluntary way they would take your system.

Register and we might be more inclined to listen to your story!
No flame intended.

[iceshark]

:grin: Actually I had my voom taken out because voom said my visa check card is not a visa. They said I should get a visa just for them. I have had a very bad experiance with voom. I should have waited for the company to grow up first. They are the worst in customer service. Not to mention I had Direct TV, and it was way better all around.


Okay last time. Here is disclaimer of payment methods accepted from vooms terms on there web site. READ ON!

(b) Bills and Payments. You will be billed monthly (or on such other term basis as may be offered by us from time to time and agreed to by you) in advance for services to be received, plus pro-rata charges, if any, for periods not previously billed. You will be billed monthly (or on such other term basis as may be offered by us from time to time and agreed to by you) for Pay Per View and other services ordered, with or without your permission, where charges are based on actual usage or on orders placed during the previous month. You must pay all undisputed charges, plus applicable local, state and federal taxes and any other governmental fees or charges as itemized on the VOOM Service monthly bill by the due date set forth on your bill. We may, in our sole discretion, accept partial payments, which will be applied to the oldest outstanding bill first. You will pay your bill by check, money order, credit or debit card, electronic funds transfer (when available), or such other payment method as we may accept, in our sole discretion. No "payment in full" notation or other restrictive endorsement written on your payments will restrict our ability to collect all amounts owed us.

[xvoomer]

Hey iceshark I think you are a little bit sensitive towards the issue. Next time you need to read before making a statement. Voom SUCKS that was the main reason I had it taken out. I had MANY issues with them ie:customer service(which was in my statement) that was the icing on the cake. I am not full of something you dumb ass.

[iceshark]

Hey iceshark I think you are a little bit sensitive towards the issue. Next time you need to read before making a statement. Voom SUCKS that was the main reason I had it taken out. I had MANY issues with them ie:customer service(which was in my statement) that was the icing on the cake. I am not full of something you dumb ass.

Two posts of same thing. YEA I'M the Dumb ass!

Again, Passion comes from wanting to help. In this case the passion is to help fellow Voomers. With that passion comes giving good and as close to accurate information as possible referance the Voom service.

You my friend were giving poor incorrect information. Plus you are not even registered so no one knows where you are so they may learn if your area has poor installers, weak signal, ect ect.

and your check card info was contrary to Vooms own policy that lots of people if they read it could keep them from even calling Voom for an install.

Lastly, I am not disputing that you or some people have had bad customer service experiance with VOom> However from what I have experianced and from others on this forum and Satelliteguys.us forum (great voom forum there)
Poor service would be very minor to a few people posting. Service is the one thing that has been consistantly good. :D