In Texas, abusing a debit or credit card is illegal, according to numerous rules and regulations. Fraud is punishable by fines or jail time, depending on the offense. Debit cards can be used for either a credit or debit transaction, each with its own set of rules.
Debit Transactions
Debit transactions require a four-digit pin for authorization. The money spent in a debit transaction is immediately pulled from the bank account that is linked to the card. There may be a fee associated with the use of a debit card.
Credit Transactions
You can use your debit card as a credit card if it contains the Mastercard or Visa logo. In most cases, a credit transaction is not processed immediately and can be held in pending status for several days.
Debit Card Abuse
Debit card fraud in Texas is punishable by law. Punishments can range from fines to jail time, depending upon the type of abuse. Abuses include using a card with the knowledge that it is suspended, expired or revoked, or using a stolen card or a card that is fictitious. The state of Texas assumes that the user of the card knows when the card is not valid; claiming ignorance of suspension or expiration is not a defense.
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