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<section class="db-page-hero db-page-hero-bg" style="background-image:url('assets/images/cards/card-on-desk.jpg');" aria-labelledby="hero-title"><div class="db-container"><h1 class="db-page-hero-title" id="hero-title">Card Frequently Asked Questions</h1><p class="db-page-hero-subtitle">Find answers to the most common questions about <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> debit cards, virtual cards, and card security.</p></div></section>

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    <button class="db-tab active" data-tab="general">General Cards</button>
    <button class="db-tab" data-tab="virtual">Virtual Cards</button>
    <button class="db-tab" data-tab="security">Card Security</button>
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      <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">How do I activate my new debit card?<span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>You can activate your new card in three ways: through your online banking dashboard under Card Settings, by calling the activation number printed on the sticker attached to your new card, or by using the card at any <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> ATM and entering your PIN. Activation is immediate, and you will receive a confirmation notification once the process is complete.</p></div></div></div>
      <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">Which card networks do you support?<span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>We offer debit cards on the Visa and Mastercard networks. Both are accepted at millions of merchants and ATMs worldwide. When you open an account, you can indicate your network preference, subject to availability. Both networks provide the same core security features, including EMV chip technology and zero-liability protection for unauthorised transactions.</p></div></div></div>
      <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">What are the daily spending and withdrawal limits on my card?<span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>Daily limits vary based on your account type and verification level. You can view your specific limits in your online banking dashboard under Card Settings. You may also request a temporary or permanent limit adjustment through the dashboard, subject to additional verification. Standard limits balance convenience with security, and you can always set lower custom limits for added protection.</p></div></div></div>
      <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">Can I use my card internationally?<span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>Yes. Your <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> Visa or Mastercard debit card is accepted at millions of locations worldwide. International transactions are processed at competitive exchange rates. Before travelling, we recommend enabling international usage through your dashboard and setting a travel notice so our fraud monitoring systems are aware of your location and do not flag legitimate transactions as suspicious.</p></div></div></div>
      <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">Are there any fees for using my debit card?<span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>There are no fees for standard domestic purchases or ATM withdrawals at <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> ATMs. A small foreign transaction fee may apply to purchases made in a currency other than your account's base currency, and ATM operators outside our network may charge their own fees. A complete schedule of card-related fees is available on our <a href="cards.html">Cards Overview</a> page and within your dashboard.</p></div></div></div>
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      <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">What is a virtual card and how does it work?<span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>A virtual card is a digital-only card that generates a unique card number, expiry date, and CVV linked to your account. It works just like a physical debit card for online and in-app purchases, but the card number is distinct from your physical card. If a virtual card number is ever compromised, you can delete it and generate a new one instantly without affecting your physical card or underlying account. <a href="virtual-cards.html">Learn more about virtual cards</a>.</p></div></div></div>
      <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">How many virtual cards can I create?<span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>You can create up to 10 active virtual cards at any time. Each virtual card can be customised with its own spending limit and can be locked to a specific merchant or category. This allows you to create dedicated virtual cards for different purposes -- for example, one for subscription services, one for online shopping, and one for travel bookings. You can manage all your virtual cards from your dashboard.</p></div></div></div>
      <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">Can I use a virtual card for in-store purchases?<span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>Virtual cards are designed primarily for online and in-app purchases where you enter the card details manually. However, you can add your virtual card to a digital wallet such as Apple Pay or Google Pay and use it for contactless in-store payments at terminals that support NFC. This provides a convenient bridge between virtual and physical payment environments while maintaining the security benefits of a virtual card.</p></div></div></div>
      <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">What happens to my virtual card if I close my account?<span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>All virtual cards linked to your account are automatically cancelled when your account is closed. Before closing your account, ensure that you have updated any recurring billing arrangements that use your virtual card numbers. If you are switching to a different <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> account, you can transfer your virtual card configurations to the new account by contacting customer support.</p></div></div></div>
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      <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">What should I do if I notice an unfamiliar transaction?<span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>If you see a transaction you do not recognise, first check the merchant name carefully -- some businesses use a different trading name for card processing. If the transaction is genuinely unfamiliar, freeze your card immediately through your dashboard and contact our fraud team. Provide the date, amount, and merchant name as shown on your statement. We will investigate and, if the transaction is confirmed as unauthorised, refund the amount under our zero-liability policy.</p></div></div></div>
      <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">How do I change my card PIN?<span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>You can change your PIN at any <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> ATM by selecting the PIN Change option, or through your online banking dashboard under Card Settings. For security reasons, you will need to verify your identity through a one-time code sent to your registered phone or email. Choose a PIN that is not easily guessed -- avoid birthdays, sequential numbers, or repeated digits.</p></div></div></div>
      <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">How do I freeze and unfreeze my card?<span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>You can freeze or unfreeze your card instantly from your online banking dashboard. Navigate to Card Settings, select the card you want to manage, and toggle the freeze switch. When frozen, all transactions -- in-store, online, and ATM -- are blocked. Unfreezing restores full functionality immediately. This feature is useful if you have temporarily misplaced your card and want to secure it while you search, without permanently cancelling it.</p></div></div></div>
      <div class="db-faq-item"><button class="db-faq-question" aria-expanded="false">Will I be notified of every transaction on my card?<span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>You can enable real-time transaction alerts through your dashboard notification settings. Once enabled, you will receive an SMS, email, or push notification for every transaction, including the merchant name, amount, and time. You can customise the alert threshold -- for example, only receiving alerts for transactions above a certain amount -- or opt to receive alerts for all transactions regardless of size.</p></div></div></div>
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<section class="db-section db-cta"><div class="db-container"><div class="db-cta-inner animate"><h2 class="db-cta-title">Explore All Cards</h2><p class="db-cta-description">Find the right card for your needs -- debit, virtual, or both.</p><div class="db-cta-actions"><a href="cards.html" class="db-btn db-btn-light db-btn-lg">Explore Cards</a><a href="debit-cards.html" class="db-btn db-btn-outline-white db-btn-lg">View Debit Cards</a></div></div></div></section>
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