So let me tell you all about the hell I just went through at the AT&T store trying to pre-order my 3GS iphone(s). I'll start by saying that I still have a 4-gig original iphone and my wife has an 8-gig original (which has no bearing on this story but thought I'd share.)
I went in to the AT&T store 2 days ago to find out the details about pre-ordering, etc. Can I pre-order 2 phones? yes, they just have to be rung up separately. no problem. I learned I would have to prepay for them, no problem there, but payday wasn't until Friday (today) so had them verify my eligibility, etc and said, "see you Friday." no worries at this point.
I went in today after work, told the sales guy I wanted to pre-order the phones. "Great!" "I just need to let you know we're only taking orders on a credit card-credit card -- NOT a debit card even with a visa/mastercard logo (ran as credit), not a pre-paid credit card, not cash. Nothing other than an actual credit card. (I don't use these and refuse to pay interest on something because AT&T's systems suck, but I digress). I pressed a bit as to the "logic" behind this policy, which literally only applies to iphone pre-sales. He essentially said that last year there were so many issues because the funds are only held on the card until the order is shipped and THEN the charges are actually processed. He said debit cards and prepaid cards won't pend that long and are being cancelled by their (AT&T's) system within 48 hours of the pre-sell date. He also said something about not having this policy last year and tons of people got double charged because the hold was still on there and the sale went through separately.
I have to interrupt to tell you that I work in the visa disputes department for a HUGE bank and it's literally all I deal with all day -- visa disputes and transactions related to a debit card. I can say with 150% certainty that the information he was spouting about funds not being able to pend that long is incorrect (at least as far as Visa goes, which is what my debit card is -- mastercard may be slightly different, I don't work with mastercard, I don't know their systems or specifics, sorry.)
I pressed more (I was definitely the customer from hell, but this store manager was such a smug prick that I didn't even kind of feel bad.) He told me they've pre-sold around 50-60 phones and he's heard from about 6 people in the last day or two who received an email stating their orders were cancelled. I estimate that a percentage higher than 12% (6 out of 50) were run on a debit card vs a regular credit card, so I'm assuming/hoping those 6 people had some other issue on their debit cards or had mastercard debit cards (which only a small number of the banks here issue.)
I'm summing up, but after an hour+ (literally) of speaking to customer service, trying to get the district manager, etc we finally agreed to process the order anyway on my visa debit card and see what happens. All the while he's "certain" the order will get cancelled by the fulfillment department.
This policy is as incorrect as it is ludicrous. Im standing here trying to give you $500 and you won't take it anyway other than this?! "In these economic times?!" (hate to be THAT guy, but couldn't resist.)
Anyway, have any of you used a debit card (as credit) to pre-purchase your new iphones this year and/or been told this?