In message , Fabian writes
I think you are getting pretty confused with this. You werent using a debit card as a credit card, thats just not possible. Credit & Debit cards are members of the set of payment cards. Retails accept payment cards. You used a payment cards. No problems with that at all.
X-No-Archive: yes In message , Blackthorn writes
The whoosh as money leaves an account when a debit card has been used is instantaneous and deafening. With a credit card there's a chance to argue the toss before making a payment, saying that you weren't in Hamburg on the date of the alleged transaction and that you certainly didn't visit Fraulein Whiplash's establishment.
In message of Sun, 22 May 2005, Alex writes
Typically a Debit Card cost 9p and a Credit Card typically costs 2% (with variations for both) . So using a Card for under £5 would cost a retailer more for a Debit Card, otherwise a Credit Card is more expensive - and that will be for most transactions.
Its another way of authorising the card, and in theory at least, if its a C&P and its signed for instead of the PIN being used, the retailer not the bank takes the risk.
The retailer may do this because they dont have a C&P terminal yet, or its broken, or you forgot your number and they agree to let you sign (and take the risk its a bad debt), or the cashier isnt properly trained, etc etc.
That has nothing to do with whether or not it is a credit card or a debit card, but whether or not it is a chip and pin card being used in a chip and pin terminal.
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