Thread: Seriousness Debit Cards vs Credit Cards
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Old 05-02-2009, 02:52 PM   #22
wodin
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Again:

Quote:
Originally Posted by wodin View Post
My debit card is also a credit card, I can use it either way. If I specify credit, I sign the receipt, and if I specify debit I enter my PIN.

When I use it as a credit card, my online balance shows X dollars in my account with x minus the credit card purchase available, and if I drill down on that it shows the purchase pending. In other words it doesn't come out of my account right away, it usually takes a day or two.

So here's the question(s):

If I use it in credit mode, do I get all the same guarantees as any other credit card? If so, why would I ever want to use it in debit mode?
Does anyone know if there is a difference?
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