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Originally Posted by rduell
Did it say anything about using a debit card as credit? Whenever I use my card I'm asked if I want debit or credit. I usually do debit, but always wonder if credit would be better or any different. They both take the money from the account immediately, right?
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I think they are not asking you if you "want" debit or credit. The store is asking you whether you
have a debit card or a credit card, because they process them differently. I don't think the same card can function as either a debit or a credit card. (But I could be wrong. Happens all the time.
) So it depends on what's in your wallet.
Debit card: acts like a check that clears instantly, so the money is taken out of your account immediately
Credit card: gets charged to your account immediately for payment later, depending on the due date for your account