Re: [心得] 大家不要被簽帳金融卡騙了

作者: nemo33 (nemo)   2023-12-01 01:20:35
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.
作者: cityport (馬路不平避震故障)   2023-12-01 01:52:00
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
作者: peter98 (新兵)   2023-12-01 06:33:00
3的部分已經有部分銀行取消fee了 4很多是不收的
作者: cytochrome (細胞色素)   2023-12-01 07:43:00
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
作者: cityport (馬路不平避震故障)   2023-12-01 08:14:00
美國的debit是連支票帳戶,這個是跳票的罰金
作者: peter98 (新兵)   2023-12-01 08:32:00
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
作者: cityport (馬路不平避震故障)   2023-12-01 13:15:00
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
作者: DFIGHT (低調好人)   2023-12-01 17:46:00
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
作者: cytochrome (細胞色素)   2023-12-02 12:54:00
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
作者: cityport (馬路不平避震故障)   2023-12-02 13:06:00
well 美國待久了..我不要銀行通融..我就是要他吐回來

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