Debt transactions have no benefit to consumers. I prefer credit transactions for these reasons:
1) You don't need a PIN so it goes faster.
2) The cost of the transaction (to the consumer) is unchanged.
3) The credit card company floats the funds so you pay later rather than sooner.
4) If fraud occurs, the credit card company loses money vs. money being withdrawn from your account (and requiring you to correct the problem)
i agree. and the fraud process timetable is in your favor along with the VISA and Mastercard liability programs in which the possible $50 liability for the consumer is declined.