> I think one of the differences between using the same card as "debit" vs. "credit" is that banks tend to limit the amount of debit transactions you can make per month without a fee, but they don't do the same thing for credit transactions. At least, that's the way my credit union does it, which is why I never use mine as a debit unless I'm actually withdrawing money from an ATM.

That sucks. My credit union doesn't charge for using my card as an ATM card, but a lot of places will tack on a 35 cent fee for using an ATM card. If given a choice, I usually choose credit, as then the merchant gets to pay any fees and not me. Of course, it means I have to sign my name instead of entering my PIN.

Stephen