Choose Credit — Even With a Debit Card

Do you use your debit card for small purchases? You could end up paying fees in the neighborhood of $1 each time you do so. More and more debit card users find an extra fee tacked on these days. How do you avoid seeing the extra fee? When asked if you're using a debit or credit card, choose credit even if it's a debit card. Plenty of debit cards allow this, but ask your bank if you're not sure.