Why do you need to choose (or tell the worker) “credit” or “debit” when paying for something by card? Are the two cards built differently?

Question

Why do you need to choose (or tell the worker) “credit” or “debit” when paying for something by card? Are the two cards built differently?

In: Other

Answer 1

I believe there are better post-purchase protections for “Credit” transactions, versus “Debit.”

Correct me if I’m wrong. A credit union rep mentioned this to me several years ago. And they have incentive programs for choosing “Credit” whenever possible.