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That some merchants were refusing "Check cards" is news to me.

Another distintion not to be overlooked is that you have somewhat less legal rights (e.g. for defective goods, etc.) when you purchase with a debit vs. a credit card.

Also there are arguably times when it is good to be able to spend money you don't have -- for a true emergency (such as that to-die-for dress going on sale <grin>)
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