In Brazil, you can enable the same card you use to manage your bank account and withdraw cash as a Visa/Mastercard credit card. So every time you make a purchase you get a prompt like this

1. CREDITO

2. DEBITO

where you choose if you want to pay with credit or debit.

Last year I went to the UK on vacation. While paying my bills I noticed most people wouldn't know what to do when prompted. They would look confused and just hand me the card machine and let me handle it.