Share your insights or perspective on the financial matter presented in the input.

What's the difference when asked for “debit or credit” by a store when using credit and debit cards?
It depends on your bank and your terms of service, but using the card one way or the other may affect things such as how long it takes to process, what buyer protections you have, etc.  It also affects the store as I believe they are charged differently for debit vs credit transactions.