This is something that needs regulation, IMO. Debit or credit? Debit is the default everywhere. Why? Because credit has a surcharge for the merchant. It is

This is something that needs regulation, IMO. Debit or credit? Debit is the default everywhere. Why? Because credit has a surcharge for the merchant. It is complete bullshit that the merchants put the onus on their customers and then shrug their shoulders when fraud happens. At least with credit you are insured. They get your pin and you are screwed.