[Bobby777]

yeah I understand ...

I still wonder if the merchant configured it as a debit rather than a charge ...

I'd be interested to hear how your card provider explained what happened ...

[dalereed]

What I don't understand is how they even knew what my bank was or how they could use the card against my bank account!

My Mastercard is with MBNA and my bank account is Washington Mutual and I don't even have a charge card through the bank.