If anyone is interested in payment, this article is quite interested if you want to understand why there's two form of payment? Credit and Debit and why is one better then the other.
http://www.nytimes.com/2010/01/05/your-money/credit-and-debit-cards/05visa.html
Someone once told me before (no idea if it true), the Credit card system are form by company who give out loan and Debit system are those offer by the bank. Therefore credit seem to be pro-consumer in some way or another. Read up the article.
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