[Jewelry making - Article 00978] - Re: [Orchid] Christmas present from a new client

[Norman Buck]

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>     I know it seem silly, but I know several people who will NOT use
>     debit cards. 

    The difference between credit and debit cards is where the money
    comes from. With credit cards the merchant is paid by the credit card
    company who then bills the consumer. With debit cards the money is
    transferred from the consumer's bank account. 

    This issue can be important during a dispute or fraud. With the
    debit card the consumer has to go ask for bank for the money back.
    With a credit card the consumer is still in control of the money and
    not pay the credit card company until the issue is resolved. This
    difference of who controls the money and fear of having a bank
    account cleaned out keeps people from using debit cards. 

Norman

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