When you make a purchase using your debit card, you’re often given the choice between “debit” or “credit.” What’s the difference between the two? When you select “debit” on the card reader and enter your PIN (Personal Identification Number), an online transaction begins. The money is immediately deducted from your account and sent to the merchant. In most cases, you are also allowed to withdraw cash along with making the purchase. When you select “credit” with your debit card