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"In fact, it's already been automatically added to 25 million credit cards that were up for renewal -- with the owners not always being aware of it, Fersztand said."

This apparently happened to me, I bought a hard drive at Frys last month using my Mastercard and it showed up as a debit on my bank statement instead of my credit card bill. No notification, no pin numbers, just signed the reciept like any other CC purchase.

I'm pissed and will cancel the CC unless the provision is removed where a merchant on their own can decide whether to make it a CC purchase or a deduction from my bank account without my knowledge.

I think it depends on how you use your card ... and what type of card ...

(not that I disagree with you)

we looked at several systems for the upgraded point-of-sale systems that are rolling into Hallmark stores now (I haven't been on that project since last year, though) ...

I don't remember it exactly, (so someone correct me here) ... if a true "debit card" is used as a "credit card" or a true "credit card" is used as a "debit" card, (whichever way) the merchant pays a substantially higher fee because of the altered use ... I can't remember the exact scenario ...

I agree I might or would cancel the card ... however, I think your argument may be with the merchant ... did you have to enter a PIN?