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Money This forum is for support with financial issues.

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iTunes & Debit accounts. - November 28th 2010, 10:18 PM

If I use my debit account to buy a song on iTunes but I don't have enough money for the song, would it tell me or would it charge me anyway?
   
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Re: iTunes & Debit accounts. - November 28th 2010, 10:19 PM

In my experience (not on iTunes though) your card just won't be accepted.
   
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Re: iTunes & Debit accounts. - November 28th 2010, 10:31 PM

I think it just doesn't accept it. You can only buy with a debit card when you have money on the account, otherwise they won't work.



   
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Re: iTunes & Debit accounts. - November 28th 2010, 10:40 PM

I thought that if you attempted to buy anything with a debit card and didn't have the money, it charged you 35? Or, at least that's what my mum told me but she was unsure about iTunes.

I know I have some money on it, I just know it's not a lot and I don't wanna risk buying a song if there is a chance I'm going to get charged loads for it.
   
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Re: iTunes & Debit accounts. - November 28th 2010, 10:52 PM

It depends on your account terms really, and whether you have an overdraft. It's nothing to do with iTunes really, it's just like any transaction where you use your card, it depends if the bank lets it through, and if it does, they might just charge you that horribly disproportionate 'account fee' ^^;

Also, I'm moving this to finances, since it'd be more appropriate there.




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Re: iTunes & Debit accounts. - November 28th 2010, 11:32 PM

Oops, I didn't realise we had a finances forum

Thanks for the replies, I think I'll just leave it. I don't wanna risk it and possibly land myself a lovely fee for doing it.
   
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Re: iTunes & Debit accounts. - November 29th 2010, 12:42 PM

This happen to me once. They charge you about as much for a bounced check. Mine was 25 dollars.
   
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Re: iTunes & Debit accounts. - November 29th 2010, 12:47 PM

Quote:
Originally Posted by Charwizz View Post
I thought that if you attempted to buy anything with a debit card and didn't have the money, it charged you 35? Or, at least that's what my mum told me but she was unsure about iTunes.

I know I have some money on it, I just know it's not a lot and I don't wanna risk buying a song if there is a chance I'm going to get charged loads for it.
In my experience, this only really happens with direct debits and standing orders... And some weird shops.

If you're paying for something online and you don't have the money in your account your bank will decline the transaction.
   
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Re: iTunes & Debit accounts. - November 29th 2010, 01:01 PM

You will get charged for the song but will also be hit with your bank charge which could be anything from 5 to 30.

I would just keep an eye on your spending and your bank balance
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Re: iTunes & Debit accounts. - December 2nd 2010, 01:40 AM

I think it depends on your bank and whether or not they'll pay for an overdraft. My bank recently made it so you could have overdraft coverage or not, if you didn't, they'll just deny the transaction.
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Re: iTunes & Debit accounts. - December 3rd 2010, 12:26 AM

i bought a song on itunes without having money in my debit card account( i didnt realize at that time that i had no money) but then i end up getting a bbig bill from the bank.



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Re: iTunes & Debit accounts. - December 3rd 2010, 03:52 PM

be careful about going overdrawn.. you CAN go overdrawn on a debit card. my brother just got a 170 bill, plus 35 fine.. and 6 a day fine since he first went overdrawn last month. if you only spend small amounts sometimes they don't get authorisation and just put it through.. even if you don't have the money.


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