That doesnt sound right: merchants would prefer a debit card, as it is nearly impossible to get those charges reversed, and there are NO extra charges for the merchant⦠Iâ(TM)m not too sure where you got it from that a debit card could be spending money they donâ(TM)t have- it doesnâ(TM)t allow the transaction if the cardholder doesnâ(TM)t have the money in their accountâ¦
A credit card costs extra money for the merchant (2%-5%), and when reversed it costs them money!