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I don't know how the law runs in other states, but here in PA a Debit card and a credit card are legally quite different animals. Even when used in credit mode, the debit card has completely different legal protections. You have some protection with a debit card, but not nearly as much as with a "real" credit card.
Your mileage may vary, other states may have different laws, and I Am Not A Lawyer.
Xenophon
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