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
Because it works differently, and hook up to different network – even if they are from the same bank
Credit card basically pre-authorize you to use X amount of money. However, within a certain time period, you must pay them back. or ELI5: You are doing a loan – borrowing money
Debit card draw from either the stored amount, or more commonly, from your bank account. No money in there, no use.
Some of the older machines cannot tell the difference, and thus require manually let it know whether you are using debit or credit.
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