Since your debit card is a Visa product, if you push “credit” it means the merchant can process the transaction as if it were a Visa card. It’s run through the Visa system, and they pay Visa a fee just as if you were using a credit card.
Now, if you press “debit,” you’re using the ATM (automated teller machine) function of the card. This means you’ll have to enter your PIN (personal identification number) and this send the transaction through your bank system instead of the Visa system.
I recommend running your card through the Visa system. By doing this, you’ll have Visa fraud protection on your side in the event that you lose your card or someone steals your PIN!
- Dave
Dave Ramsey
Dave Ramsey is a personal money management expert, popular national radio personality and the author of three New York Times bestsellers.
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