愛華網(wǎng)前幾天我在網(wǎng)上看到一篇英語文章，說的是信用卡和借記卡的區(qū)別。我看后，為了確保沒有誤解文章的具體內容，我就把英語的文章發(fā)給了我的同學 H，讓她也看看，一來讓她也注意一下銀行的規(guī)則，二來也確保我沒有理解錯。本來是覺得她看過后，我們電話里說一下就可以了。。誰知道她竟然翻譯好了中文發(fā)給了我。。她說她是火速簡單翻譯的，只是一個大概的意思，翻譯的時候沒有非常確切的咬文嚼字，翻譯了一個大概。
我雖然基本上都不用銀行卡，但是，我還是要知道銀行卡的游戲規(guī)則的。。哈哈。。
下面是她翻譯的文章，文章的后面也附了原來的英文文章。。
信用卡和借記卡的區(qū)別
1. 不要用借記卡在網(wǎng)上付款。
如果卡號被偷，銀行賬戶會不安全，因為借記卡直接和銀行賬戶連接。
在卡號被偷的2天內和銀行報失，聯(lián)邦規(guī)例，顧客只負責付$50. 很多銀行甚至不要自己的顧客付錢。
但這些保護措施還是不能減免顧客的麻煩，比如把錢再重新打回帳戶，賬戶余額太低要交費，支票不能兌現(xiàn)。。
所以一般人首先用信用卡在網(wǎng)上付款。
2. 大物件
購買大物件，用信用卡比較安全。當購買的商品有問題，信用卡提供爭辯的權利。借記卡只有很少的保護。
有的信用卡還提供擴展保證。有的卡還提供附加商品保險。
二個注意事項：每月余額的利率很高，不要用商店的推遲利率。
3. 預存款要求
有人要租一修房的設備，商店有預存款要求。這時用信用卡好。這樣，商店有了安全存款，你還可以用你銀行里所有的錢。
4.餐館
信用卡和借記卡的卡號被偷，經(jīng)常是發(fā)生在餐館里。
理由：餐館是少數(shù)幾個卡離開你手的地方。
借記卡的另一個問題：銀行會假設你要付小費，所以鎖住多于賬單的錢數(shù)。幾天以后，才會把多鎖住的錢重放入賬戶。
5. 新顧客
如果你是商店的新顧客，最先的幾次購物，不要用借記卡。用借記卡前，先感覺一下商店的運作，他怎樣對待你，以及產(chǎn)品的質量。
6. 先買后送交
如果是先買后送交，信用卡比借記卡提供爭辯的權利。
7. 定期付款
用信用卡。
用借記卡的話，如果忘了定期付款，賬戶余額太低要交費，或會有其他尷尬。
8. 旅行
用信用卡
用借記卡的話，盡管旅行是一段時間以后的事，但錢馬上從你賬戶里取出。
還有，旅店也受黑客的攻擊。你不想要你的銀行賬戶在旅店的系統(tǒng)里躺上幾個月吧。
9. 加油站和旅館
這個根據(jù)每人情況而定。用借記卡的話，銀行可能鎖定你帳戶中多于賬單的金額。
在旅店，你最好問清楚預存款要求。在加油站，選折輸入密碼的方式，這樣只從你賬戶里取你消費的錢數(shù)。
10. 簽出和取錢
罪犯越來越會把略讀器安放在你最不注意的地方，像ATM或銀行里。
所以，下次注意看ATM和無人簽出，看看設備有沒有很好的組合在一起，有沒有給人篡改過。
1. Online
"You don't use a debit card online," says Susan Tiffany,director of consumer periodicals for the Credit Union NationalAssociation. Since the debit card links directly to a checkingaccount, "you have potential vulnerability there," she says.
Her reasoning: If you have problems with a purchase or the cardnumber gets hijacked, a debit card is "vulnerable because ithappens to be linked to an account," says Linda Foley, founder ofthe Identity Theft Resource Center. She also includes phone ordersin this category.
The Federal Reserve's Regulation E (commonlydubbed Reg E), covers debit card transfers. It sets a consumer'sliability for fraudulent purchases at $50, provided they notify thebank within two days of discovering that their card or card numberhas been stolen.
Most banks have additional voluntary policies that set their owncustomers' liability with debit cards at $0, says Nessa Feddis,vice president and senior counsel for the American BankersAssociation.
But the protections don't relieve consumers of hassle: Theprospect of trying to get money put back into their bank account,and the problems that a lower-than-expected balance can cause interms of fees and refused checks or payments, make some onlineshoppers reach first for credit cards.
2. Big-Ticket Items
With a big ticket item, a credit card is safer, says Chi Chi Wu,staff attorney with the National Consumer Law Center. A credit cardoffers dispute rights if something goes wrong with the merchandiseor the purchase, she says.
"With a debit card, you have fewer protections," she says.
In addition, some cards will also offer extended warrantees. Andin some situations, such as buying electronics or renting a car,some credit cards also offer additional property insurance to coverthe item.
Two caveats, says Wu. Don't carry a balance. Otherwise, you alsorisk paying some high-ticket interest. And "avoid store cards withdeferred interest," Wu advises.
3. Deposit Required
When Peter Garuccio recently rented some home improvementequipment at a big-box store, it required a sizable deposit. "Thisis where you want to use a credit card instead of a debit," saysGaruccio, spokesman for the national trade group American BankersAssociation.
That way, the store has its security deposit, and you still haveaccess to all of the money in your bank account. With any luck,you'll never actually have to part with a dollar.
4. Restaurants
"To me, it's dangerous," says Gary Foreman, editor of thefrugality minded Web site The Dollar Stretcher. "You have so manypeople around."
Foreman bases his conclusions on what he hears from readers."Anecdotally, the cases that I'm hearing of credit or debitinformation being stolen, as often as not, it's in a restaurant,"he says.
The danger: Restaurants are one of the few places where you haveto let cards leave your sight when you use them. But others thinkthat avoiding such situations is not workable.
The "conventional advice of 'don't let the card out of yoursight' -- that's just not practical," says Tiffany.
The other problem with using a debit card at restaurants: Someestablishments will approve the card for more than your purchaseamount because, presumably, you intend to leave a tip. So theamount of money frozen for the transaction could be quite a bitmore than the amount of your tab. And it could be a few days beforeyou get the cash back in your account.
5. You're a New Customer
Online or in the real world, if you're a first-time customer ina store, skip the debit card the first couple of times you buy,says Breyault.
That way, you get a feel for how the business is run, how you'retreated and the quality of the merchandise before you hand over acard that links to your checking account.
6. Buy Now, Take Delivery Later
Buying now but taking delivery days or weeks from now? A creditcard offers dispute rights that a debit card typically doesnot.
"It may be an outfit you're familiar with and trust, butsomething might go wrong," says Breyault, "and you needprotection."
But be aware that some cards will limit the protection to aspecific time period, says Feddis. So settle any problems as soonas possible.
7. Recurring Payments
We've all heard the urban legend about the gym that won't stopbilling an ex-member's credit card. Now imagine the charges aren'tgoing onto your card, but instead coming right out of your bankaccount.
Another reason not to use the debit card for recurring charges:your own memory and math skills. Forget to deduct that automaticbill payment from your checkbook one month, and you could eitherface fees or embarrassment (depending on whether you've opted toallow overdrafting or not). So if you don't keep a cash buffer inyour account, "to protect yourself from over-limit fees, you maywant to think about using a credit card" for recurring payments,says Breyault.
8. Future Travel
Book your travel with a check card, and "they debit itimmediately," says Foley. So if you're buying travel that you won'tuse for six months or making a reservation for a few weeks fromnow, you'll be out the money immediately.
Another factor that bothers Foley: Hotels aren't immune tohackers and data breaches, and several name-brand establishmentshave suffered the problem recently. Do you want your debit cardinformation "to sit in a system for four months, waiting for you toarrive?" she asks. "I would not."
9. Gas Stations and Hotels
This one depends on the individual business. Some gas stationsand hotels will place holds to cover customers who may leavewithout settling the entire bill. That means that even though youonly bought $10 in gas, you could have a temporary bank hold for$50 to $100, says Tiffany.
Ditto hotels, where there are sometimes holds or deposits in thehundreds to make sure you don't run up a long distance bill, emptythe mini bar or trash the room. The practice is almost unnoticeableif you're using credit, but can be problematic if you're using adebit card and have just enough in the account to cover what youneed.
At hotels, ask about deposits and holds before you present yourcard, says Feddis. At the pump, select the pin-number option, shesays, which should debit only the amount you've actually spent.
10. Checkouts or ATMs That Look'Off'
Criminals are getting better with skimmers and planting them inplaces you'd never suspect -- like ATM machines on bank property,says Foley.
So take a good look at the machine or card reader the next timeyou use an ATM or self-check lane, she advises. Does the machinefit together well or does something look off, different or like itdoesn't quite belong? Says Foley, "Make sure it doesn't look likeit's been tampered with."
