# Do you use your debit card w/ a CC logo as a CC or DC? **URL:** \ **Category:** In My Humble Opinion\ **Created:** [November 30, 2004, 9:43pm UTC](https://boards.straightdope.com/t/do-you-use-your-debit-card-w-a-cc-logo-as-a-cc-or-dc/277391 "2004-11-30T21:43:26Z")\ **Posts on this page:** 12\ **Page:** 2
**Author:** ![Ms2001](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/ms2001/32/18463_2.png) [@Ms2001](https://boards.straightdope.com/u/Ms2001)\ **Post date:** [December 1, 2004, 3:31am UTC](https://boards.straightdope.com/t/do-you-use-your-debit-card-w-a-cc-logo-as-a-cc-or-dc/277391/21 "2004-12-01T03:31:42Z")
Credit. I don’t want anyone to see my PIN, I don’t want to pay bank fees, and once in a while, Visa runs a sweepstakes where you’re automatically entered by using the card as credit. The only time I use it as a debit card is if the store (i.e. Costco) doesn’t take Visa, or if I need cash back and don’t have time to go to the bank. ---
**Author:** ![Tapioca\_Dextrin](https://avatars.discourse-cdn.com/v4/letter/t/3d9bf3/32.png) [@Tapioca\_Dextrin](https://boards.straightdope.com/u/Tapioca_Dextrin)\ **Post date:** [December 1, 2004, 7:23am UTC](https://boards.straightdope.com/t/do-you-use-your-debit-card-w-a-cc-logo-as-a-cc-or-dc/277391/22 "2004-12-01T07:23:06Z")
I normally use debit where I can. It’s faster than writing out a signature. ---
**Author:** ![maleinblack](https://avatars.discourse-cdn.com/v4/letter/m/e5b9ba/32.png) [@maleinblack](https://boards.straightdope.com/u/maleinblack)\ **Post date:** [December 1, 2004, 7:31am UTC](https://boards.straightdope.com/t/do-you-use-your-debit-card-w-a-cc-logo-as-a-cc-or-dc/277391/23 "2004-12-01T07:31:54Z")
Credit. Like someone described before, my card comes up with invalid transaction if I use the debit option. ---
**Author:** ![alimarx](https://avatars.discourse-cdn.com/v4/letter/a/e274bd/32.png) [@alimarx](https://boards.straightdope.com/u/alimarx)\ **Post date:** [December 1, 2004, 5:13pm UTC](https://boards.straightdope.com/t/do-you-use-your-debit-card-w-a-cc-logo-as-a-cc-or-dc/277391/24 "2004-12-01T17:13:44Z")
It makes no diff to my SOP. I usually tell the cashier to do whatever’s easiest for them; they usually pick the credit option. ---
**Author:** ![MissDisaster](https://avatars.discourse-cdn.com/v4/letter/m/7feea3/32.png) [@MissDisaster](https://boards.straightdope.com/u/MissDisaster)\ **Post date:** [December 1, 2004, 5:21pm UTC](https://boards.straightdope.com/t/do-you-use-your-debit-card-w-a-cc-logo-as-a-cc-or-dc/277391/25 "2004-12-01T17:21:00Z")
Debit. My bank doesn’t charge for debit transactions, and it’s just easier to put in my pin than to sign the receipt. ---
**Author:** ![Troy\_McClure\_SF](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/troy_mcclure_sf/32/4150_2.png) [@Troy\_McClure\_SF](https://boards.straightdope.com/u/Troy_McClure_SF)\ **Post date:** [December 1, 2004, 5:57pm UTC](https://boards.straightdope.com/t/do-you-use-your-debit-card-w-a-cc-logo-as-a-cc-or-dc/277391/26 "2004-12-01T17:57:36Z")
Debit whenever I can. Easier, faster, and credit transactions don’t show up immediately on my bank’s website, whereas debits show up immediately. ---
**Author:** ![NinjaChick](https://avatars.discourse-cdn.com/v4/letter/n/71c47a/32.png) [@NinjaChick](https://boards.straightdope.com/u/NinjaChick)\ **Post date:** [December 1, 2004, 7:04pm UTC](https://boards.straightdope.com/t/do-you-use-your-debit-card-w-a-cc-logo-as-a-cc-or-dc/277391/27 "2004-12-01T19:04:21Z")
Well, I mostly use it online, so not much of a choice there. When I do use it in a store, though, I use it as debit. I have no idea why, I guess I just find it easier. No charge from the bank, either. Also, am I the only one who just about never uses cash? For me, it’s mostly because my checking account is in a bank in NJ, and I’m in New Mexico, so there’s usually a ridiculous fee to get cash from an ATM (one place charges $2.50!). ---
**Author:** ![iwakura43](https://avatars.discourse-cdn.com/v4/letter/i/9de0a6/32.png) [@iwakura43](https://boards.straightdope.com/u/iwakura43)\ **Post date:** [December 1, 2004, 8:42pm UTC](https://boards.straightdope.com/t/do-you-use-your-debit-card-w-a-cc-logo-as-a-cc-or-dc/277391/28 "2004-12-01T20:42:25Z")
Where do you guys live that you get charged for a debit transaction 😕 I live in the Northeast, and I’ve never heard of such a thing. ---
**Author:** ![NurseCarmen](https://avatars.discourse-cdn.com/v4/letter/n/5daacb/32.png) [@NurseCarmen](https://boards.straightdope.com/u/NurseCarmen)\ **Post date:** [December 2, 2004, 1:55pm UTC](https://boards.straightdope.com/t/do-you-use-your-debit-card-w-a-cc-logo-as-a-cc-or-dc/277391/29 "2004-12-02T13:55:42Z")
> [@Roland Orzabal](#): > > I always use credit, for two reasons. One, it saves me having to enter my PIN every time I use the card. Two, once in a rare while, the bank will charge you some piddling fee if you use debit, in which case “debit or credit?” becomes “would you like to give the bank a dollar for no reason?”, and no. No, I would not. Ditto. Plus I get to gain airline miles with the credit option. ---
**Author:** ![chaoticbear](https://avatars.discourse-cdn.com/v4/letter/c/f07891/32.png) [@chaoticbear](https://boards.straightdope.com/u/chaoticbear)\ **Post date:** [December 2, 2004, 2:30pm UTC](https://boards.straightdope.com/t/do-you-use-your-debit-card-w-a-cc-logo-as-a-cc-or-dc/277391/30 "2004-12-02T14:30:47Z")
Credit everywhere but Wal-Mart, where it (for some reason) tries to force me to use debit. I use credit because I think it’s easier to sign the little screen, and I usually don’t worry about cash (because I never have any.) ---
**Author:** ![elfkin477](https://avatars.discourse-cdn.com/v4/letter/e/a9a28c/32.png) [@elfkin477](https://boards.straightdope.com/u/elfkin477)\ **Post date:** [December 2, 2004, 3:28pm UTC](https://boards.straightdope.com/t/do-you-use-your-debit-card-w-a-cc-logo-as-a-cc-or-dc/277391/31 "2004-12-02T15:28:09Z")
My bank doesn’t have a fee for either, so I usually use it as debit except: a. if I go to a store that can’t accept debit, but can credit (you’d be surprised how many little stores still are this way). b. at the gas station. Over 50% of the stations in the area have disabled the pay-debit function at the pump for some unknown reason but still have pay-credit. ---
**Author:** ![Enright3](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/enright3/32/2897_2.png) [@Enright3](https://boards.straightdope.com/u/Enright3)\ **Post date:** [December 2, 2004, 7:05pm UTC](https://boards.straightdope.com/t/do-you-use-your-debit-card-w-a-cc-logo-as-a-cc-or-dc/277391/32 "2004-12-02T19:05:50Z")
I always choose debit card option when I can. The main reason is (and perhaps someone could correct me or validate me on this) because credit card charges cost the retailer more, and I figure if I can save them a few cents, then maybe they won’t raise their prices to cover the credit cards. E3 [Previous page](https://boards.straightdope.com/t/do-you-use-your-debit-card-w-a-cc-logo-as-a-cc-or-dc/277391.md?page=1)