作者 nemo33 (nemo)
標題 Re: [心得] 大家不要被簽帳金融卡騙了
時間 Fri Dec  1 01:20:35 2023


僅供參考

模型: GPT-4 | Temp: 0.2 |

When a transaction request is made on a Visa debit card for an amount larger
than the account's balance, one of several things can happen:

1. **Transaction Declined**: The most common outcome is that the transaction
will be declined. This is because a debit card uses the funds available in
the linked bank account. If the account does not have sufficient funds, the
transaction cannot be completed.

2. **Overdraft**: Some banks offer an overdraft facility, which allows the
account holder to temporarily owe the bank the amount that is overdrawn. If
the account is set up for this, then the transaction may go through, but the
account will go into a negative balance and the account holder will owe the
bank money. This often comes with fees and interest.

3. **Overdraft Protection**: If the account holder has set up overdraft
protection by linking a savings account or credit card, the bank will
transfer funds from the linked account to cover the transaction. This may
also come with fees.

4. **Insufficient Funds Fee**: Even if the transaction is declined, some
banks charge an insufficient funds fee (also known as a bounced check fee or
non-sufficient funds (NSF) fee). This is a penalty for attempting a
transaction without enough money in the account.

Remember, the exact outcome will depend on the specific policies of the bank
that issued the Visa debit card. It's always a good idea to understand these
policies to avoid unexpected fees or declined transactions.

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※ 作者: nemo33 2023-12-01 01:20:35
※ 文章代碼(AID): #1bQCHbNT (Bank_Service)
※ 文章網址: https://www.ptt.cc/bbs/Bank_Service/M.1701364837.A.5DD.html
※ 同主題文章:
Re: [心得] 大家不要被簽帳金融卡騙了
12-01 01:20 nemo33
cityport: 現在越來越多銀行取消4的罰金
美國的銀行基本都可以選1..不論是實體/網購還是訂閱
沒錢就直接拒掉..商家/收單行跟消費者的合約他根本不管1F 12/01 01:52
peter98: 3的部分已經有部分銀行取消fee了  4很多是不收的4F 12/01 06:33
cytochrome: 在台灣沒有銀行會收第四種費用阿,卡片刷不過一直刷一直玩一直被拒絕而已5F 12/01 07:43
cityport: 美國的debit是連支票帳戶,這個是跳票的罰金7F 12/01 08:14
peter98: 喔~再看一眼,第四點指的是支票? 那這樣確實該罰錢
一開始以為是卡片消費8F 12/01 08:32
cityport: 我被美花罰過..信用卡自動扣繳..忘記銀行被合併沒去改罰了我29還是35..當時膽子小不敢去吵..現在會直接罵了10F 12/01 13:15
DFIGHT: 最近覺得chatgpt都是講了等於沒講的回答 和政客一樣 O話一堆12F 12/01 17:46
cytochrome: 回city大,其實不一定是吵,有時候講一下他們都有機會通融XD 就是說僅此一次下不為例14F 12/02 12:54
cityport: well 美國待久了..我不要銀行通融..我就是要他吐回來16F 12/02 13:06

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