Posted by NEBeef on April 05, 2011 at 10:17:41 from (198.51.119.153):
In Reply to: OT- debit cards posted by coloken on April 04, 2011 at 06:42:57:
yes, lots of bad info here. May or may not be wrong, because the rules depend almost entirely on the bank that issues the card. Some will work as both debit and credit. some won't.
I get asked all the time "debit or credit?" and no matter what I say my debit card always works as a debit, money is gone right then and there.
There is less protection when using a debit card as it's more like cash - you can't call the bank and "stop payment" on a debit purchase. Merchants usually like you to use debit rather than credit as the percentage the bank takes off the top of the sale is less for debit.
I use debit more than credit, although I probably shouldn't...
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