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I use both credit & debit/check card. The important thing to remember is that the check card offers significantly more risks to me (the user) and signficantly more profits to the bank. Some places, probably in response to the (valid?) charges that banks are making way too much on debit transactions (as opposed to credit cards), will accept debit (e.g. enter PIN) but will not accept credit cards. The only example I can cite is Costco.
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