Got hit 15 times. Luckily, it didn't overdraft my account, so I'm just waiting for them to reverse the charges. Wasn't my main checking account either, so I wasn't too worried. Some people really got screwed though, and I feel bad for them.
This. Why anyone would use a debit card for anything like this is beyond me. :hmm:
KT
This. Why anyone would use a debit card for anything like this is beyond me. :hmm:
KT
If you mean for protection, my credit union debit card has the same protection as a 'regular' credit card.
This is why I use CC and not debit cards.
Except that the money is taken immediately and not accessible to you. A credit card is the banks money and you have 60 days to dispute the charges.
Not true, at least for Visa, you can make as many purchases you want with it, they charge a extra $20 for each transaction if account can't cover it. Long as you end up with a min of $100 in bank account at end of that month (minus all the $20 transaction fees you racked up)
However, if it was result from fraud, just will be refunded. They normally send out new cards in 1-2days.
Those refunds dont usually happen immediately, especially on overcharges. In the meantime the money that hasnt been refunded is unavailable to you. A CC it is the banks money, they actually have a vested interest in resolving the matter, and you arent forced to pay for the transactions while the bank figures it out.
Debit cards are nothing but a service fee for the banks. CC's can accomplish everything a debit card can minus the ATM feature without the drawbacks. Drawbacks which are apparent in this very thread. Like Mythic fucking up and draining people's bank accounts. If you had outstanding checks that bounced now you have to fix that situation as well.
Not everyone can get a CC. Are you suggesting people that aren't "worthy" enough for a CC shouldn't be playing the game?
Besides. WTF is with the blame the victim mentality here? While its obvious that companies make mistakes, are you just willing to rollover and let these companies get away with this kind of thing? It's not the game player's fault that their account got incorrectly charged by a vendor, stop blaming them or their choice to use whatever form of payment they are allowed to because an idiot company can't figure out their billing system. Instead, demand that stuff like this becomes impossible to happen by forcing all companies involved to get some sort of consumer protecting checks and balances system. Why couldn't it be that the banks detected a series of duplicate charges all at once when the trend was one particular charge each month from this vendor. This should have raised a red flag in all systems involved and immediately put a hold on all charges and labeled all subsequent charges from this vendor as unauthorized.
Where do people come up with this crap? Why yes that is exactly what I am saying ::
Who blamed the victims? I used this example in a line of many to show using a debit card for transactions is not a good idea. It could just as well happen at the corner store as it can with Mythics billing system. Getting your money back is a pita and it could screw up any other transactions you have on your bank account.
Mixing debit and credit imo is a recipe for disaster. It isnt a matter of if, but when somebody screws up and drains your bank account.
You are. You're not getting the point I was trying to make. Why should someone not be able to use the debit card for their purchases when that's exactly what it's for? The problem is that the above scenario should never happen. The systems should not allow it to happen. If debit cards are touted as a replacement for physical cash, then they should have these types of checks and balances in them to prevent obvious system errors from happening in the first place.
Your asking for fixes to a broken system. In a perfect world that would happen.
This isn't a perfect world and so people would be better off taking advice not to use a debit card in these situations.
I have been told according to FTC regulation they are responsible for up to 200% of feeds incurred to a minimum of 1000$ per case. Sounds like class action to me. People on the forum are talking about not being able to buy food, pay rent, buy a gift for their son's birthday because it drained them four digits or close!Could you sue EA/Mythic to recup overdraft fees?
I have been told according to FTC regulation they are responsible for up to 200% of feeds incurred to a minimum of 1000$ per case. Sounds like class action to me. People on the forum are talking about not being able to buy food, pay rent, buy a gift for their son's birthday because it drained them four digits or close!
You are. You're not getting the point I was trying to make. Why should someone not be able to use the debit card for their purchases when that's exactly what it's for? The problem is that the above scenario should never happen. The systems should not allow it to happen. If debit cards are touted as a replacement for physical cash, then they should have these types of checks and balances in them to prevent obvious system errors from happening in the first place.
Unfortunately, not everyone can get a credit card in this market.. it requires.. you know.. credit.
I find people with poor credit or no credit are often berated with pre-approved cards at far higher rates than people who pay their bills.
That said if a CC is truely out of their league, pre-paid game cards are not hard to purchase.
They've refunded a lot of people all but one of the charges, saying that there was an error where they didn't get charged for March. I think I would just cut my losses at that point and refund all of them.
Does anyone think that Mythic will ever really develop another game that sells? I'm betting EA shuts them down and tries to pretend that this chapter in their history never happened.