ATM cards were made into combination credit/debit & ATM cards and people allowed to use them the same.
Irmanator, you really need to stop coming to her rescue. She needs to learn to deal with the ins-and-outs of real life. She's always going to be "confused" if you always take over and handle and fix these things for her.
Yes, you are "babying her" these are your words.
Talk to your daughter and see if you and she can come to a mutual conclusion. You will take care of this problem this one last time.
The next time it happens, you will not help or advise her. She needs to find her own way and she needs to learn to deal with the fact that only she can protect her money; everyone else will want some part of that money. Only she can protect it because you're not always going to be there to make things right. She needs to grow up.
If the two of you decide that she is not realy to make these decisions and accept the ramifications of credit/debit card, I'd also recommend that you both go to the bank where this account is housed, and have the credit/debit card changed to a pure ATM card. She will need to agree to do everything by cash until she can understand the ramifications of her gullibility with online ordering and the cons or subscriptions inherent in these types of "deals."
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