Re: [心得] 大家不要被簽帳金融卡騙了

僅供參考 模型: GPT-4 | Temp: 0.2 | When a transaction request is made on a Visa debit card for an amount larger than the account's balance, one of several things can happen: 1. **Transaction Declined**: The most common outcome is that the transaction will be declined. This is because a debit card uses the funds available in the linked bank account. If the account does not have sufficient funds, the transaction cannot be completed. 2. **Overdraft**: Some banks offer an overdraft facility, which allows the account holder to temporarily owe the bank the amount that is overdrawn. If the account is set up for this, then the transaction may go through, but the account will go into a negative balance and the account holder will owe the bank money. This often comes with fees and interest. 3. **Overdraft Protection**: If the account holder has set up overdraft protection by linking a savings account or credit card, the bank will transfer funds from the linked account to cover the transaction. This may also come with fees. 4. **Insufficient Funds Fee**: Even if the transaction is declined, some banks charge an insufficient funds fee (also known as a bounced check fee or non-sufficient funds (NSF) fee). This is a penalty for attempting a transaction without enough money in the account. Remember, the exact outcome will depend on the specific policies of the bank that issued the Visa debit card. It's always a good idea to understand these policies to avoid unexpected fees or declined transactions. -- ※ 發信站: 批踢踢實業坊(ptt.cc), 來自: 118.160.69.117 (臺灣) ※ 文章網址: https://www.ptt.cc/bbs/Bank_Service/M.1701364837.A.5DD.html