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How does this differ from having a Fidelity debit card tied to an investment account?

https://www.fidelity.com/cash-management/faqs-atm-debit-card

"The Fidelity debit card is available on youth accounts and nonretirement brokerage and cash management accounts with individual, joint tenant, and trust registrations"

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If you withdraw money using a Fidelity debit card (without Financial Choice), from a brokerage account without any cash in it, that withdraw will create a margin loan that you have to manually pay back and that you also have to pay interest on.

If you withdraw money using a Financial Choice debit card, that withdraw will automatically trigger a sale of your stock in the appropriate amount, so that you won't be building up margin loans.

Who wants to be using a debit card instead of a credit card if you have a choice?

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