So it’s just when I want to use the debit as a credit card they they’re none too pleased. But - and you can tell this isn’t something I give a lot of thought to, unfortunately - if I use my debit card as an ATM card, my bank charges me a little extra, right? So although 4 is cheaper for Wal-Mart, it’s more expensive for me, is that right?
Heck, it’s not a big deal to me; I do not have a credit card to use, so it’s a question of using the debit card as an ATM card or as a credit card. I always tell 'em credit, because I thought I’d heard that using it as a debit would cost me a little more. I dunno anymore. You can see this confuses me of little brain.
—quote—
So it’s just when I want to use the debit as a credit card they they’re none too pleased. But - and you can tell this isn’t something I give a lot of thought to, unfortunately - if I use my debit card as an ATM card, my bank charges me a little extra, right? So although 4 is cheaper for Wal-Mart, it’s more expensive for me, is that right?
—end quote—
You are correct on all counts.
I will note, as I did previously, that not only may your bank charge you for the debit transaction, but the ATM network may in fact charge you ON TOP of that.
It’s not a huge deal to me either. If any merchant insists my debit card become an ATM card I’ll instead pull out my American Express or Visa CREDIT CARDs.
