Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

What's the difference when asked for “debit or credit” by a store when using credit and debit cards?
Credit in debit way - the card simply functions like a debit card for that transaction - pulling cash from your checking account. No difference.  You've simply discovered the fact that some banks are using the same piece of plastic for two functions, debit which draws funds directly from your checking, and credit which offers you time to pay a bill the comes in some time later. It's a personal choice.