I normally try to run my debit card as a credit transaction, to ensure I get full coverage from "Zero Liability" policies. (As recommended on the Total Money Makeover.) So far, all transactions have instead been run as debit transactions, and cannot do it the other way. When I have used it so far, I am not able to bypass the PIN; when I press enter on a keypad, it beeps and continues to say to enter the PIN.
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