在美国用信用卡和借记卡的区别
前几天我在网上看到一篇英语文章，说的是信用卡和借记卡的区别。我看后，为了确保没有误解文章的具体内容，我就把英语的文章发给了我的同学 H
，让她也看看，一来让她也注意一下银行的规则，二来也确保我没有理解错。本来是觉得她看过后，我们电话里说一下就可以了。。谁知道她竟然翻译好了中文发给了我。。她说她是火速简单翻译的，只是一个大概的意思，翻译的时候没有非常确切的咬文嚼字，翻译了一个大概。
我虽然基本上都不用银行卡，但是，我还是要知道银行卡的游戏规则的。。哈哈。。
下面是她翻译的文章，文章的后面也附了原来的英文文章。。
信用卡和借记卡的区别
1. 不要用借记卡在网上付款。
如果卡号被偷，银行账户会不安全，因为借记卡直接和银行账户连接。
在卡号被偷的2天内和银行报失，联邦规例，顾客只负责付$50. 很多银行甚至不要自己的顾客付钱。
但这些保护措施还是不能减免顾客的麻烦，比如把钱再重新打回帐户，账户余额太低要交费，支票不能兑现。。
所以一般人首先用信用卡在网上付款。
购买大物件，用信用卡比较安全。当购买的商品有问题，信用卡提供争辩的权利。借记卡只有很少的保护。
有的信用卡还提供扩展保证。有的卡还提供附加商品保险。
二个注意事项：每月余额的利率很高，不要用商店的推迟利率。
3. 预存款要求
有人要租一修房的设备，商店有预存款要求。这时用信用卡好。这样，商店有了安全存款，你还可以用你银行里所有的钱。
信用卡和借记卡的卡号被偷，经常是发生在餐馆里。
理由：餐馆是少数几个卡离开你手的地方。
借记卡的另一个问题：银行会假设你要付小费，所以锁住多于账单的钱数。几天以后，才会把多锁住的钱重放入账户。
如果你是商店的新顾客，最先的几次购物，不要用借记卡。用借记卡前，先感觉一下商店的运作，他怎样对待你，以及产品的质量。
6. 先买后送交
如果是先买后送交，信用卡比借记卡提供争辩的权利。
7. 定期付款
用信用卡。
用借记卡的话，如果忘了定期付款，账户余额太低要交费，或会有其他尴尬。
用借记卡的话，尽管旅行是一段时间以后的事，但钱马上从你账户里取出。
还有，旅店也受黑客的攻击。你不想要你的银行账户在旅店的系统里躺上几个月吧。
9. 加油站和旅馆
这个根据每人情况而定。用借记卡的话，银行可能锁定你帐户中多于账单的金额。
在旅店，你最好问清楚预存款要求。在加油站，选折输入密码的方式，这样只从你账户里取你消费的钱数。
10. 签出和取钱
罪犯越来越会把略读器安放在你最不注意的地方，像ATM或银行里。
所以，下次注意看ATM和无人签出，看看设备有没有很好的组合在一起，有没有给人篡改过。
"You don't use a debit card online," says Susan Tiffany,
director of consumer periodicals for the Credit Union National
Association. Since the debit card links directly to a checking
account, "you have potential vulnerability there," she says.
Her reasoning: If you have problems with a purchase or the card
number gets hijacked, a debit card is "vulnerable because it
happens to be linked to an account," says Linda Foley, founder of
the Identity Theft Resource Center. She also includes phone orders
in this category.
The Federal Reserve's Regulation E& (commonly
dubbed Reg E), covers debit card transfers. It sets a consumer's
liability for fraudulent purchases at $50, provided they notify the
bank within two days of discovering that their card or card number
has been stolen.
Most banks have additional voluntary policies that set their own
customers' liability with debit cards at $0, says Nessa Feddis,
vice president and senior counsel for the American Bankers
Association.
But the protections don't relieve consumers of hassle: The
prospect of trying to get money put back into their bank account,
and the problems that a lower-than-expected balance can cause in
terms of fees and refused checks or payments, make some online
shoppers 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 card
offers dispute rights if something goes wrong with the merchandise
or the purchase, she says.
"With a debit card, you have fewer protections," she says.
In addition, some cards will also offer extended warrantees. And
in some situations, such as buying electronics or renting a car,
some credit cards also offer additional property insurance to cover
Two caveats, says Wu. Don't carry a balance. Otherwise, you also
risk paying some high-ticket interest. And "avoid store cards with
deferred interest," Wu advises.
3. Deposit Required
When Peter Garuccio recently rented some home improvement
equipment at a big-box store, it required a sizable deposit. "This
is where you want to use a credit card instead of a debit," says
Garuccio, spokesman for the national trade group American Bankers
Association.
That way, the store has its security deposit, and you still have
access 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 the
frugality minded Web site The Dollar Stretcher. "You have so many
people around."
Foreman bases his conclusions on what he hears from readers.
"Anecdotally, the cases that I'm hearing of credit or debit
information being stolen, as often as not, it's in a restaurant,"
The danger: Restaurants are one of the few places where you have
to let cards leave your sight when you use them. But others think
that avoiding such situations is not workable.
The "conventional advice of 'don't let the card out of your
sight' -- that's just not practical," says Tiffany.
The other problem with using a debit card at restaurants: Some
establishments will approve the card for more than your purchase
amount because, presumably, you intend to leave a tip. So the
amount of money frozen for the transaction could be quite a bit
more than the amount of your tab. And it could be a few days before
you 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 in
a 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're
treated and the quality of the merchandise before you hand over a
card that links to your checking account.
6. Buy Now, Take Delivery Later
Buying now but taking delivery days or weeks from now? A credit
card offers dispute rights that a debit card typically does
"It may be an outfit you're familiar with and trust, but
something might go wrong," says Breyault, "and you need
protection."
But be aware that some cards will limit the protection to a
specific time period, says Feddis. So settle any problems as soon
as possible.
7. Recurring Payments
We've all heard the urban legend about the gym that won't stop
billing an ex-member's credit card. Now imagine the charges aren't
going onto your card, but instead coming right out of your bank
Another reason not to use the debit card for recurring charges:
your own memory and math skills. Forget to deduct that automatic
bill payment from your checkbook one month, and you could either
face fees or embarrassment (depending on whether you've opted to
allow overdrafting or not). So if you don't keep a cash buffer in
your account, "to protect yourself from over-limit fees, you may
want 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 it
immediately," says Foley. So if you're buying travel that you won't
use for six months or making a reservation for a few weeks from
now, you'll be out the money immediately.
Another factor that bothers Foley: Hotels aren't immune to
hackers and data breaches, and several name-brand establishments
have suffered the problem recently. Do you want your debit card
information "to sit in a system for four months, waiting for you to
arrive?" she asks. "I would not."
9. Gas Stations and Hotels
This one depends on the individual business. Some gas stations
and hotels will place holds to cover customers who may leave
without settling the entire bill. That means that even though you
only 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 the
hundreds to make sure you don't run up a long distance bill, empty
the mini bar or trash the room. The practice is almost unnoticeable
if you're using credit, but can be problematic if you're using a
debit card and have just enough in the account to cover what you
At hotels, ask about deposits and holds before you present your
card, says Feddis. At the pump, select the pin-number option, she
says, which should debit only the amount you've actually spent.
10.& Checkouts or ATMs That Look
Criminals are getting better with skimmers and planting them in
places 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 time
you use an ATM or self-check lane, she advises. Does the machine
fit together well or does something look off, different or like it
doesn't quite belong? Says Foley, "Make sure it doesn't look like
it's been tampered with."
已投稿到：
以上网友发言只代表其个人观点，不代表新浪网的观点或立场。美国千万信用卡信息疑被盗 涉及万事达和维萨
来源：新浪财经焦点新闻
● 涉及万事达(MasterCard)和威士(Visa)国际组织等机构信用卡用户、大型发卡银行和数家主要信用卡服务企业。
● 波及账户数量暂时无法确定，评估数量从数以万计至超过1000万。
据新华社电 万事达和威士3月30日知会发卡商，旗下信用卡账户信息可能遭窃，关联一家位于美国的“第三方”公司。
评估数字过高？
信用卡支付中介机构美国“全球支付”公司确认，未授权者3月初进入其系统并可能窃取一些信用卡账户信息，公司定于2日就这一事件召集投资者电话会议。
万事达、威士和“全球支付”没有说明信息遭窃波及多少账户。
互联网博客“克雷布斯安全”最先披露“全球支付”信息外泄，以“大规模”认定泄露范围，估计超过1000万信用卡账户受波及。一些行业分析师认为这一评估数字过高，推测数以万计账户信息遭窃。
按照伯恩斯坦调研公司分析师罗德·布儒瓦的说法，“全球支付”只是转账中介服务行业相对小型的企业，有大约80万商家客户，占3.5%的市场份额。
房地产业咨询机构阿尔托斯调研公司首席执行官迈克·西蒙森说，他可能是受害者之一。“美国银行”客户代理人上周联系他并告知他的账户受到调查，所幸没有发现未授权交易记录，“这种事非常少见”。
中美洲犯罪团伙作案？
据新华社电 特工处等执法机构着手介入这一事件，而万事达已经雇用一家独立信息安全机构调查。
按照高德纳咨询公司分析师艾维瓦·利坦掌握的消息，系统“侵入点”调查指向纽约市一家出租车与停车管理企业，作案者可能是中美洲犯罪团伙。“如果大家过去几个月用信用卡付过出租车费，请确认信用卡是否被冒用。”
利坦告诉法新社记者，作案人员可能取得那家纽约公司的管理账户权限，由中央服务器盗取电子信息，盗取过程持续数月，最近开始利用账户信息作案后被发觉。
博客“克雷布斯安全”3月30日披露，“全球支付”系统在今年1月21日至2月25日、超过一个月的时间内受到入侵。
各家机构没有说明是否已经确认有信用卡用户因这次事件遭受账务损失。不少银行和信用卡服务机构允诺不会让消费者个人承担损失；业内人士说，最终损失由售货商家、发卡方和“全球支付”买单。 (耿学鹏)
要便利还是要安全？
不少行业人士说，收紧信息认证和信用卡使用便利间存在矛盾。奥列马咨询集团部门主管爱德华·劳伦斯说：“如果(认证)系统太严格，没有交易能够获得认可。”
“全球支付”系统遭侵入是全球今年首起类似事件。花旗银行集团去年6月承认，黑客窃取其北美地区大约20万名信用卡客户的信息。索尼公司去年4月通报，全球7700万注册用户个人信息可能被盗。
这些事件推动多国政府和行业机构着眼个人账户信息安全。美国国会众议院商业、制造业和贸易小组委员会成员玛丽·博诺呼吁国会今年出台更严格的个人信息安全法规。
原标题：美国千万信用卡信息疑被盗 涉及万事达和维萨
[此文系转载，来源于新浪财经焦点新闻，版权归属原作者]
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