Even if you have and use a debit card, you should use it as a credit card, for better consumer protection. Run as a credit card, I believe some scams and bad pu

Even if you have and use a debit card, you should use it as a credit card, for better consumer protection. Run as a credit card, I believe some scams and bad purchases can be refunded. Run as a debit card, you are pretty much out of luck on a scam purchase. The charge to the merchant is higher for credit card than debit card transactions: merchants prefer you to use a debit card as such. Always skip entering your PIN if you can. We wouldn't have these problems if we hadn't privatized our electronic money. The US government runs check clearing and that's either free or nearly free, which is why businesses want you to do ACH if they can get you to, especially for subscriptions.