USA scenario here: say I have a $2000 car repair bill and use my debit card.
Can’t be bothered to put in my pincode so I hit credit, payment goes through without pincode.
Why does the consumer have the option to pick here?
Because there was a time, not that long ago, where you could not use your ATM card to purchase things at some stores, Only cash or credit card. Thats when visa/mc dranded check cards came out.
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