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The debit card is a strange animal! You can still dispute transactions even with a PIN number used, but the liklihood of getting it back is very small unless you sign an Affadavit of Fraud and agree to prosecute who ever is identified as using the card (which 99.9% of the time it is the actual user). Also, a lot of places like gas stations only hold $1 as a pre-auth.
I didn't believe there was a difference in processing prices for debit vs. credit.
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