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The company can put a "hold" on a certain amount of the money in your account.

This is commonly done by hotels, etc., because nobody knows until you check out how much your bill will be. Vendors sometimes put a hold on your card when "cross shipping" a replacement for a defective part.

They don't need to retain your card to do this. If they want physical possession of your card, run, don't walk, to a competitor.

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Q: Is it legal for a company to hold your debit card as security against the return of an item?
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