Can you pre order with a debit card?

[macslayer118]

Ok, to get clarification, the people who have had their orders cancelled because they used a debit card --> Does your debit card have a Visa or Mastercard symbol on it??

 

[Amblinman]

I just called Apple twice. Each rep stated without hesitation that you can preorder using a debit card as long as it has a Visa or Mastercard logo. Thats for both home delivery or store pick up.

 

[Amblinman]

And I also just called two different AT&T reps. Same answer - you can use a debit with either a Visa or Mastercard logo.

Case closed.

 

[QuarterSwede]

And I also just called two different AT&T reps. Same answer - you can use a debit with either a Visa or Mastercard logo.

Case closed.

That's because it goes through Visa or Mastercard before drawing funds from your account. Apple just sees it as a credit card.

 

[Olivia23]

I hope you realize that apple puts a hold on the amount and then charges the account, which results in 2x charge for a small amount of time. You have to be sure you have that much money in the bank.

So your saying if you are pre-ordering the iphone for 199, then Apple will charge you 199 twice resulting in the cost of about 400? That doesn't even make sense. Don't the bank or cc just hold the funds until it is actually charged?

 

[John T]

The difference between a Credit and a Debit cards is simple and obvious.

Money used to purchase an item using a Credit Card is credited from an account held by the card company (Visa, Mastercard etc). Purchases are "credited" to the owner up to a pre-arranged limit.

Money drawn on a Debit Card is taken (debited) from a bank account held in the users name. Should there be insufficient funds in the bank account at the time of purchase, the request will be refused. A Debit Card is in essence, a plastic cheque.

Many (the majority) of companies will NOT accept pre-orders on a Debit Card simply because they have no idea if sufficient funds will be in the account when the payment is due.