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There really isn't a big difference between debit and credit. One you sign for (credit) the other you use a PIN number (debit).
It's just easier to have a debit card with a Visa or Mastercard logo because that way you can use it at restaurants and stores, places that wouldn't take just a ATM card.
Also, some stores do not accepted the debit option because when you use it as a credit it is guaranteed by Visa to be paid. A debit can go through but then when it hits the account the money might not be there....
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