Simple Rule

Always always always, if you're using a debit card, enter your PIN instead of signing as a credit card. This is especially important if you're shopping at a locally owned business, whether it's a restaurant, gas station, or store. And it doesn't matter whether you're using a debit Visa or Mastercard--though as the article points out, Visa is really dickish in its behavior--entering a PIN is better for businesses, especially local ones whose margins are tighter.

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