Christian Living


Dave Says: Debit or Credit?

Dave Says

Dear Dave,

When I use my Visa debit card, I’m asked if it’s “debit” or “credit.” What difference does it make if you choose one over the other?

– Marlon

Dear Marlon,

Since your debit card is a Visa product, if you push “credit,” it means the merchant can process the transaction as if it were a Visa card. It’s run through the Visa system, and they pay Visa a fee just as if you were using a credit card.

Now, if you press “debit,” you’re using the ATM (automated teller machine) function of the card. This means you’ll have to enter your PIN (personal identification number) and this sends the transaction through your bank system instead of the Visa system.

I recommend running your card through the Visa system. By doing this, you’ll have Visa fraud protection on your side in the event that you lose your card or someone steals your PIN!


Loading Webform

Can We Pray For You?

Error: There was an internal error submitting your form. Please check your information and try again or call us at 1-800-759-0700

Get FREE "He Cares for You" teaching sheet

Build up your faith as you mediate on inspiring Scripture verses of how much God loves you

Get more than a Sunday sermon. Get to know others seeking God’s guidance and wisdom for life.
We are here to help and encourage you! Send a prayer request now, or call 1‑800‑700‑7000
Can God change your life? God made it possible for you to know. Discover God's peace now.
Download the free myCBN app. Share your prayer requests, receive prayer and pray for others!
Living the Christian life is a journey. Discover steps to bring you closer to Christ.
Give Now