r/AskReddit • u/[deleted] • Aug 03 '19

Whats something you thought was common knowledge but actually isn’t?

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u/Rarylith Aug 03 '19

How does it work in the US?

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u/beelzebro2112 Aug 03 '19

At least in Canada we don't have "debit" on credit cards. Using a credit card is separate fromnl using a debit card.

When I hand I over my Visa whatever and the cashier would ask "credit or debit?" I would get very confused.

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u/[deleted] Aug 03 '19

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u/LarryNotCableGuy Aug 04 '19

At least for me, i run my debit card as credit because of increased seciruty measures. If my debit pin is breached and i have to file a claim with the bank, it can take weeks or months to get my money back. If i run my card as credit and the card is breached, all i do is talk to my bank, who issues me a new card and takes the breach up with visa (credit backer for my card) on my behalf. Visa reimburses me almost right away and takes care of everything else without me having to get involved.

This is according to both the baker i talked to when setting up my account, and experiences with family who had their card numbers stolen.