When I paid the overdue portion of my electric bill by phone, using my card as a debit card, my credit union charged a 25-cent transaction fee. But I haven't used my card as a debit card in a store in a very long time (nor have I ever made a habit of it), so my assumptions about the fee may well be mistaken. If an actual standing-at-the-point-of-sale POS transaction is treated differently, as folks here are suggesting is the case, I'll find out on my next statement.
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I'll ask Breno about the gas station thing, because AFAIK he always uses his debit card in credit mode.
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