Credit and Debit Cards

Can you use a debit card as a credit card without your pin?


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2015-07-15 18:40:23
2015-07-15 18:40:23

Only if it is a "check card." Debit cards require a PIN number, but many banks have switched to check cards that can be used as either a debit or credit card. To find out for sure, next time you use your card, hit the "credit button." If it's a check card it will ask you to sign instead of entering your PIN.

The check/debit card must have a Visa, MasterCard or a Discover symbol to work as a Credit purchase but still comes out of your checking account. Discover is just starting up there debit card network.

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Related Questions

Yes, when you swipe your card just select credit as form of payment and not debit

No - its still a credit transaction. The PIN is simply used to verify you are the registered owner of the card.

if your debit card has the visa and star logos on the back (checkcard) you can run it as a credit card and your signature and ID will be required instead of a PIN number

The difference between a credit card and a debit card is a debit card is for money that you place in your own bank account that can be withdrawn with a personal pin number. A credit card company lends the person money and charges interest.

There are some people who prefer to use their debit cards with the credit feature. In some cases, it is safer to use the card as credit because one does not have to enter a PIN. Such places as gas stations and convenience stores are much safer this way, simply because scammers cannot use your card number for a debit card without a PIN.

Yes. You can use your debit card as a credit card. When you run it as a credit you will almost always have to sign for your purchase, but when you run it as a debit you use your PIN number. With the debit the amount is deducted immediately from your bank balance, ran as a credit it doesn't show up until the next business day or two later. It doesn't have anything to do with 'your credit'. Just another way merchants can run your card. Usually how to run it as credit is on the pad where you swiped your card instead of entering your pin you hit cancel and that will run your card as credit. It still isn't necessarily a credit card as you cant accrue debt on a debit card.

No. A debit card is connected to actual funds from a checking or savings account. When used as a debit card, at a merchant, a PIN is required for the purchase to be approved. However, it can also be used as credit in which a PIN is not required. PIN = Personal Identification Number. A credit card is connected to a line of credit (borrowed money). In which the card holder is required to pay a minimum payment each month, or they may pay the full balance to avoid interest charges.

It is a debit card made more specifically for ATM use. In which a PIN is always required and you can not use it as credit. So merchants that only allow credit transaction can not accept ATM cards.

So that no one other than you can access the card if it gets lost

Because credit cards rely on the vendor to perform identification of the user. Debit cards, on the other hand, can be used in ATM's, so a PIN is required.

Typically the point of sale terminal will ask for the pin number. If the user has the pin number, the charge will be handled as a debit charge instead of a credit charge. (It's a little cheaper for the merchant; it will make no difference to the card holder.) If the card does not allow debit transactions or the user does not have the pin, the transaction will be declined.

It is a debit card made more specifically for ATM use. In which a PIN is always required and you can not use it as credit. So merchants that only allow credit transaction can not accept ATM cards.

Typically, no. Credit card PINS are usually used for cash withdrawals, not regular purchases. But debit cards can require a PIN.

the main difference between debit and credit are how they are processed. when you use debit you will be asked to enter a "personal" pin or code. debit transactions have a limit of how many times you've used your debit card that day. when you use credit you are protected from liability. if someone steals your credit card, and you report it, you will not be liable for their credit transactions. so you are less protected if you use credit over debit. for Debit you can spent your maximum money in your balance bank account. but if if credit card, this is like a loans or there's maximum balance in your credit.

Nowhere. Unless the owner of the card actually wrote it down themselves, the PIN code for a credit card, and debit card for that matter, is not located anywhere on the card. This is to prevent its use in the event that the card is lost or stolen.

When you lose your pin card for your credit or debit card, you will need to contact the financial institution or the company that sent the card. They will send a new pin code to you in the mail or let you reset the pin over the phone.

No, only cash, debit card with pin, food stamps

Yes, you need a pin to get cash from your credit card. When you do this, it is considered a cash advance. With some credit cards, you are charged a higher interest rate for the cash advance. If you have a debit card instead, you will spend less in fees.

Answer a t m pinno you can not use card with no pin at and ATM hope this helps

Purchasing with a Debit Card can be considered more secure. If you use the PIN function, it can be very secure. Most establishments dont ask for proper identification when buying with credit. Keep in mind that MOST debit cards also contain a credit function. Most credit cards and debit cards are protected by fraud from the financial institution that issues the card. In this day and age, the money can be re-deposited into your account.

Some credit cards do have a pin

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