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  • #1

    is there a difference between visa debit and visa credit

    hi all
    after being with natwest for over 20 years on switch/maestro card and having a visa credit card . i changed banks in april this year to santander due to going down the ue route with my natwest credit card, and recieved a visa debit card for my basic santander bank account.
    as this card has the visa symbol on does this mean if i were to book eg a holiday or buy a 3 piece suite then i am covered the same as a credit card eg if the holiday firm went bust i would get my money refunded or does a visa debit carry different set of rules thanks for you help in advance 2
    ALWAYS SMILE NO MATTER HOW BROKEN YOU ARE
    Tags: account, accounts, april, bank account, banks, basic accounts, bust, card, cards, credit, credit card, debit, debit card, debit cards, firm, help, holiday, money, natwest, retailers, rules, santander, scheme, switch, visa
  • #2
    Re: is there a difference between visa debit and visa credit

    Originally posted by carol01
    hi all
    after being with natwest for over 20 years on switch/maestro card and having a visa credit card . i changed banks in april this year to santander due to going down the ue route with my natwest credit card, and recieved a visa debit card for my basic santander bank account.
    as this card has the visa symbol on does this mean if i were to book eg a holiday or buy a 3 piece suite then i am covered the same as a credit card eg if the holiday firm went bust i would get my money refunded or does a visa debit carry different set of rules thanks for you help in advance 2
    No. Although it is a Visa, it is a Visa DEBIT card and is not covered by Section 75. The only difference I know of is that the Visa backed card is accepted by more retailers than the maestro.
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    • #3
      Re: is there a difference between visa debit and visa credit

      There is also the Visa Chargeback Scheme which is similar to S.75 but is only available to Visa Debit Cards
      I am an IT Professional with a Background in most Microsoft Based Technologies. Currently Proud to Work at one of the Leading UK Universities. I have that Mentality of "If I can provide Useful Input - then I will Try my best to do so"

      Life is full of Ups and Downs. Shame it just aint simple.

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      • #4
        Re: is there a difference between visa debit and visa credit

        Santander issue visa electron on basic accounts...
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