If you are purchasing products online or in person, it is almost always a good idea to use a credit card versus a debit card.
But, if you paid with a debit card, there may still be some things that you can do if something goes wrong. Here is how your bank can help:
Unlike credit cards, you may not have the ability to dispute and request a refund for a product that you did not like.
However, if it appears that the business has made a billing error, has not provided products that you paid for, or there appears to be fraudulent activity, your bank may be able to help.
If you run into one of these types of situations and you are unable to resolve things with the merchant, contact your bank immediately to report the problem. Provide as much information and supporting documentation as possible.
Allow the bank enough time to investigate the situation. Some banks may provide a credit back to your account, but this could get pulled back if the merchant fights back and the bank does not find in your favor.
If you are unable to resolve a problem with a merchant or your bank, you can also file a complaint with the Consumer Financial Protection Bureau.
