this post was submitted on 03 Nov 2024
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Even though the you already have to use the PIN at an ATM.
No idea why there’s such a big functional difference between “credit” and “debit” cards.
I don't think there is in terms of process, I think payment handlers just add a higher charge for processing credit card payments, which is why stingy retailers dislike them.
I'm happy to be corrected though.
The only time I’ve been prompted to enter a PIN is when using the same card as a debit card vs a credit card.