爱华网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。
2. 大物件
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。
4.餐馆
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。
5. 新顾客
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。
8. 旅行
用信用卡
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。
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."
