Five instances when your debit card transaction will be treated differently

Debit Cards are accepted by millions of merchants around the world.

However, if you plan using your debit card in any of the places listed below, then you should know and guide yourself with the following information.  

Some transactions are handled differently in the following cases; 

Restaurants - Restaurants may verify you have enough money on your card for the dining bill. Make sure you have enough funds to cover any added tip.

Hotels - Hotels may put a "hold" on the amount of your estimated bill, making that amount unavailable for other purchases. When you check out, that hold may take a few days to be removed.

Auto Rentals - You may use your card for final payment of a rental car bill, but a credit card may be necessary to reserve a rental car.

Returning Purchases - Store return policies may vary. You may receive a credit to your card, a cash refund or even a store credit, depending on the particular store. A credit to your account may take up to one week to process before it's available for use.

Paying Bills – You can use your card to pay just about any one-time or recurring bill.

If a merchant cancels a transaction at your request, it may take three to seven days for the authorization hold to be removed from your card.