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?
In: Other
Because in reality basically all debit cards in the US are *combo* debit/credit cards (that’s what that little MasterCard or Visa symbol on your card means).
Some banks do offer cards that are *just* debit cards, but they won’t give you one unless you specifically ask for it. I got one when I was younger, and it was a pain in the ass since there were places where it just wouldn’t work.
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