My debit card was charged for an internet purchase. Because of the small amount ($7 USD), I believe it was an error. I have never used the debit for an internet purchase. I prefer using the credit card.
After two weeks the bank credited me with the $7.00.
Got my statement and the bank charged me $14 USD to issue a new card. Is this a common practice?
I realize there are costs involved with cancelling and issuing a new card. But, I have a savings account there, and the debit card account. It just seems tacky.
I realize I am in México, dealing with a Mexican bank, but is this common where you live?
I’ve only canceled mine once, over ten years ago. I wasn’t charged for a new one. It’s from a major bank in the U.S., one that’s associated with stage coaches in old Western TV shows.
Wells Fargo has never charged me when I’ve needed a new one for whatever reason (if your card is lost or in any way potentially compromised they encourage you to replace it, surely whatever it costs to issue a new one is a fraction of what it might cost them to write off fraudulent charges.)
Canadian here. I used to get a new card every year or so, usually because it just stopped working. Then the bank gave me a chip and pin card, and that stopped happening.
I believe my new bank charges me if I get more than one free card in a year. I would hope they don’t charge me if I get defrauded twice in one year!
They shouldn’t charge you for that. I’d call and ‘innocently’ ask them what the charge was for. If they say it was for a new card, politely ask them if they can waive it (if you’ve been with them for more than 5-10 years or so and a stellar customer the entire time (and you have multiple accounts) I might toss that in as well if you get any resistance). I’ll bet they do it.
Also, don’t threaten to close your account unless you’d actually do it. At this point, you’re just nicely asking what the charge is and nicely asking if they’ll waive it.
If they say no, ask for a supervisor and ask again. Can’t hurt. Just saying something like [to the supervisor) 'I noticed I was charged $14 for a replacement card, I’ve had two accounts with you for X years and never lost a card before, is there anyway you could waive that fee?" Should be all it takes.
I’ve even managed to get them to overnight cards to me by saying 'take a look at my spending, I spend nearly a thousand dollars a week on this (corporate) card. I’m going to use a different card for the two weeks you’re saying it’s going to take to get me a replacement…a new one showed up the next day, free of charge.
As others have said, charging for a replacement card, at least in the US, is more or less unheard of.
They won’t charge you more for asking, the worst they’ll do is say ‘sorry, it’s our policy, it’s on the fee schedule you got when you set up an account with us’.
I’ve never been charged for a replacement credit or debit card, and I’ve lost a dozen or so over the years. I was charged ($5?) for expedited shipping for my last replacement card (which I had specifically asked for). I’d call your bank and tell them to give you back your money.
Once I had fraudulent charges on my debit/credit card; my credit union caught it and cancelled the card, sending me a new one without charge.
Another time I had a dog (not one of MINE but a stray I found and was trying to return home) get into my purse and eat my card. I ordered a replacement and was charged $5 for it.
I have been with this credit union since I was 16, in 1976. So, no favors for loyalty.