All roads lead back to the only people who can stop the problem they created.This report was assisted by:Nick Devor at Barron's - https://www.barrons.com/art...
Debit card is tied directly to your bank account with no rollbacks. If somebody gets that info and decides to clean out your bank account, that money is gone, period, and you’ll never see it again.
With a credit card, you have a degree of separation and the ability to contest or roll back charges. Debit cards don’t do that.
Want to do a chargeback with American express or similar credit cards: call the toll free number and do it in less than 90 seconds, instantly approved
Want to do a chargeback with a debit card: you need to go to the police station and report the seller for fraud, then find the chargeback form hidden somewhere on the bank website, fill it and send it back together with the police fraud report via FAX (no email) to the bank, which might or might not approve it in 90 days. If it approves that, they will take a 30 euro fee from what you will get
Honestly, Valve should just ask for proof that you are 18+ if you want to sell items on Steam market or trade them.
Easiest solution IMO.
Bit invasive if you have to provide photo id…
How often can one get a credit card at under the age of 18?
Surely that is a decent measure of it.
Also age of account? Mine is 21 in just over a week…
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You should never use a debit card online, though.
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Debit card is tied directly to your bank account with no rollbacks. If somebody gets that info and decides to clean out your bank account, that money is gone, period, and you’ll never see it again.
With a credit card, you have a degree of separation and the ability to contest or roll back charges. Debit cards don’t do that.
You’re in America, right? This isn’t necessarily true everywhere.
In Europe it’s like this:
Want to do a chargeback with American express or similar credit cards: call the toll free number and do it in less than 90 seconds, instantly approved
Want to do a chargeback with a debit card: you need to go to the police station and report the seller for fraud, then find the chargeback form hidden somewhere on the bank website, fill it and send it back together with the police fraud report via FAX (no email) to the bank, which might or might not approve it in 90 days. If it approves that, they will take a 30 euro fee from what you will get
With a debit card that’s your money at risk. With a credit card it’s the credit card company’s money.
Credit card companies are required by law to reverse fraudulent charges, but banks aren’t.
What law? My bank will (and has) reversed charges.
Lots of American defaultism in this thread. I only want to state that outside of the US things can be different with regards to banking.
For example, taking up debt is discouraged, while in the US it is encouraged to get a good “credit score”.