I'm not sure how its possible to use as a credit card, there has to be some dumb a$$ retailers out there.
In the USA at least, you have the choice to run a debit card as debit or credit. There is not much difference on how it works other than no pin is needed, only a sig to run as credit. The sale still post direct to your checking account tho sometimes not as fast as if it were debit.
I always use mine as a credit card because I cant be bothered to remember my pin.
Last year in Alberta there was this gas station and the guy did something to the debit
machine where it copied the pin numbers....
Funny thats actually my line of work. (No not stealing pins)
All the major dispenser manufacturers encrypt debit info at the customer terminal at the pin pad. Except Gilbarco. Gilbarco dont encrypt until the data hits the POS to go out to the network. In that case, someone could tap the data loop and pick up ppls info. All of it. Everything the card reader had scanned and everything typed on the pin pad.
Thats all about to change. Some new federal regs are coming down the pike next year to make encryption at the customer terminal mandatory. Also tamper proof pinpads and card readers.
Ladies Canada sounds great to me.