Your able to use it as both Visa you enter your pin and the payment is automatically taken out of your account were as credit you show I'd and sign for it and takes up to three days to withdraw from your account
A Visa "debit" card works as both - you can run it as credit (Visa) or through the debit network. It is processed differently depending on how it is run. It is typically cheaper for a store to accept as a debit than to pay the percent transaction fee to run through the Visa network.
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