Originally posted by RiverPig:
In what way am I confused I have a debit card it even says debit on it for all the non-believers.....it only works when run as a credit card and the money comes out of my checking account...
Ok, I'm going to type this very slowly for you.
A debit transaction (which you state you do when you swipe your card and it runs as a credit transaction, so no PIN needed) R E Q U I R E S that the cardholder/purchaser enter a PIN for the transaction.
A credit transaction functions similar to a debit transaction, except in place of the PIN a signature is required (and can be waived for smaller amounts it depends on how the merchant has set up their transactions).
A debit card (which you actually have) can
usually process both debit transactions and credit transactions.
Do you see how you're confusing things yet?
Just to keep with the trend:
Bullshit, bullshit, bullshit, bullshit, bullshit!
ETA: arguing semantics is fun 
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