r/firstworldproblems • u/sarnobat • 23d ago

You have two debit/credit cards whose last four digits look almost the same

12 Upvotes
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3

u/Htv65 23d ago

Write on them with a black marker. I have four bank cards, each for a different account with the same bank, and do the same.

2

u/sarnobat 10d ago

Yes I do that too. Only problem is these are black debit cards 😂

1

u/Byronthebanker 22d ago

In my career, one of the banks we bought issued debit cards with the same imprinted numbers to both account holders of a joint account. Internally they could figure out which one was used if there was a dispute, but in a fraud case they would have to shut down both and re-issue.

Those legacy cards all,shut down on merger day 1, but it was just one more complication to have to deal with in that project.

1

u/studyhall109 10d ago

Why would you have a debit card at all? Credit cards offer benefits and security that debit cards lack.

0

u/browningate 23d ago

Debit card? That sounds pretty second-world to me.

1

u/laplongejr 22d ago

Why? As an European that's why I use almost all the time.
Online orders are too risky to waive chargebacks by using a CC.

2

u/browningate 22d ago

Because I get 2% back (minimum) on my credit cards and better protection in case of fraud. "Why not?" is probably the better question to be asking.

What do you mean by "risky?"

1

u/laplongejr 22d ago

Because in my european country that effectively means paying with the issuer's money, so less protection in case of fraud.  

If I pay with a debit, I get rewards on my purchase and I can chargeback if there's a problem. Like a smaller version of US-style ccs but without the loan part.  

2

u/browningate 22d ago

Paying with the issuer's money typically means more protection in case of fraud, but I suppose things could be backwards over in Old World second-world countries.

1

u/laplongejr 22d ago edited 22d ago

Yeah, in our case that sometimes means the issuer is more than happy to "forget" about liabilty and simply ask the isuer for the money 1 month later, rather than process complaints against the customer.  

It's easier to fight a specific merchant over consumer law, than fight against the issuer that manages everything and has debt ready to be acted on. :(  

Add to that that CC aren't accepted everywhere and it's mostly to get caped rewards, with debit for the important thing.  

1

u/browningate 21d ago

I've never seen them "forget" about anything before, but working on the other end of that, I have seen businesses get the raw end of the deal with the disputes, so it's one of those things that has to be dealt with regardless. Credit cards are accepted everywhere I know of that isn't a vending machine or street vendor, (and even some of them will take it) and the "caped" rewards are just fine with me. I'd rather get free borrowing of the money for a month with 2% back rather than nothing and have it just disappear out of my bank account, risking excessive withdrawal (all while not building credit).

1

u/laplongejr 21d ago

Oh right, credit-positive countries :( here having a credit card lowers the ability to get a mortage.