Sounds crazy complicated. Stores never ask about that here. Also, I don't have credit and debit on the same card anyway, so I'd have to physically put in a different card if I wanted to do it on credit instead of debit.

Also, stores get charged 25 bucks for $30 purchases if it's debit? Yeah, I'm pretty sure it's nothing like that here, because then there wouldn't be any stores left to go to, they'd all be bankerupt.