I bought flights for 258.87 using my Halifax Visa debit card in 2008. 4 December 2012 at 4:13PM edited 4 December 2012 at 4:15PM in Credit Cards. Banks determine their chargeback fees according to how many chargebacks a merchant has incurred over a month. The rules do differ slightly depending on which Chargeback debit card or credit card you have. But when it comes to chargebacks, debit cards normally offer significantly less consumer protection than credit cards. Halifax debit card chargeback. The word itself hints you in the right direction get money back for a charge on your card. If you pay for a transaction using a credit card or debit card you have certain rights granted by the credit card network. Its the same for an American Express card. However, the chargeback specifics can differ based on whether a debit, credit, or prepaid card was used for the transaction. There will be significant numbers of claims in relation to either a section 75 claim or a debit card chargeback purely down to the scale and impact of the Coronavirus on many aspects of business. Chargeback: If you paid with a debit card, the card issuer isnt legally obliged to refund your holiday but you might be able to make a chargeback claim for services you didnt receive. So because there is a sheme for Visa Credit Cards then it has been best practice to apply it to Visa Debit cards You should address a chargeback claim to your debit or credit card provider, which in turn will put in a request to the retailer's bank. So, the more chargebacks you have, the higher your fees will be. Debit cards, credit cards, prepaid gift cards--from a buyer's perspective, they can all seem pretty much the same. Halifax told me I had no protection. Chargebacks were introduced by the Card Organizations to create trust in the network by providing a safety net, for both merchants and cardholders, to deal with dishonest merchants and to protect customers from fraud or undelivered goods or services. The process for managing these claims is determined by a set of rules from American Express, MasterCard or Visa. These credit card rights, cardholder rights and credit card chargeback rights may be updated occasionally, so be sure to review them from time to time on the card networks website. But the airline collapsed. Where chargeback rights exist ie for credit card holders under S75 (visa for example) then it is industry practice to apply chargebacks for debit card holders where there are arrangements is place. A Visa debit chargeback is similar to traditional credit card chargebacks: a customer calls the bank with a complaint, and funds previously credited to the merchant go back to the cardholder. 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