Essentially, most debit cards are honored by one of the major credit card networks(visa, MasterCard, etc). That means you can process a transaction without your pin and visa or whoever is associated with your card will honor it. When you put in your pin, that is processed by a different network your bank uses. Look at the back of your card and you will typically see what these networks are. This is why you are able to run debit as credit, something you should always do unless you have no other option.
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