Can I Use my debit card if I’m overdrawn?

[Anonymous]

[Jessica405]

Probably not. ATM's would spit out your card. Most POS terminals would refuse the transaction. Bit embarrassing when you have just put a whole week's groceries through the check out!

[Goforit1010]

Not usually. Although, if you have "overdraft protection" on your checking account, that might cover your debit purchases. Maybe... In mist cases you won't be able to use your debit card since that comes directly from your checking account.

A better way to buy things is with your credit card instead. There are usually purchase protections with a credit card. Additionally, if someone gets your card, you can dispute charges you didn't make and also lock out the card.

With a debit card, if someone gets a hold of it, they can clean out your checking account and there's nothing you can do about it. You're just out that $$$ permanently.

[Anonymous]

No. What irresponsible thing did you do to end up over drawn?

[ibodi]

No..