Retailers get charged about 20 cents per 100$ for debit transactions and $1.48 per 100$ for credit. If you say credit with your debit card you are giving your bank that larger cut and getting none of the protections associated with a credit card. Except you probably don't have to enter your pin number which may be important to you. http://redtape.msnbc.com/2007/09/paper-or-plasti.html