mine charges me if i use it as debt and put my pin in but if i say credit it don't...its so stupid...so needless to say i forgot my pin since i dont want charged lol!

I have a Bank of America debit card with a visa logo on it. It also has my pic and signature on the front.

I don't get charged for either type of transaction and both show up almost immediately online.

Basically for me when using this card, credit is done at restaurants and places that don't take debit. But at places where you swipe the card yourself, I usually do debit b/c then I don't have the hassle of them wanting to check my card for my signature, etc.



PS-it is really annoying when people ask for extra ID on my debit visa card when i use it for credit since it has my picture (and i haven't changed) and my signature on the front AND back.

One problem with debit cards: If your credit card is stolen and the thief uses the card before you report the theft, your maximum liability under federal law is $50. For debit cards, it depends on when you report the theft; if you don't report it within 60 days of an unauthorized transaction showing up on your bank statement, your liability is unlimited.

http://www.ftc.gov/bcp/conline/pubs/credit/atmcard.htm