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Choosing 'Credit' When Using Your Debit Card

Do you choose credit or debit when using your debit card at the store? The selection of debit or credit affects how the transaction is processed.


Consumers should be aware of a various issues when choosing credit, while using a debit card.


Head of Content manager of, Claire Tak, says selecting debit and typing in your PIN means the transaction is reflected on your account immediately, and the money is withdrawn.


Choosing credit could take two to three days to show up on your account, because it will be processed offline by the credit card company.

Depending on your bank, running your card as credit may come with additional protections against fraud.

Make sure to check with your bank to know your card’s rules, and how to use it.


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