What happens if you choose "credit" in a store with a debit card?

So I have literally no money in my checking account today, but I'm getting some tomorrow. I'm trying to find ways to spend money today that won't go through until tomorrow. I was thinking about writing a check, but found out basically nowhere takes checks. Then I read online that if you select the "Credit" option in a store, it will take 2-3 days for the money to leave my account, even though my card isn't a credit card, purely debit. Is this true?|||It depends on the terms of the bank you have your account with as to when the charge will post to your account. While it may not post for 2-3 days, in most cases, there will be a hold placed on your account for either a few dollars, or up to the entire purchase amount. This depends on the merchant. If you have your account set up to allow you to go over your limit, you will be hit with overdraft fees regardless if you choose debit or credit if the transaction posts before you have enough money in your account.





You say you get money tomorrow, why not just wait a day and avoid the hassle of worrying if the transaction will/will not post?|||With debit cards that have the Visa/Mastercard logo on them, you can select "credit" when swiping the card. When you do this, visa (using an algorithm of account history and balances) decides whether or not to guarantee the funds for the merchant. It can often take up to 3 days to process from Visa/Mastercard to your bank. It isn't something that I recommend. If you can't wait to make your purchase, you could get a payday loan for a few days to cover it and not pay the overdraft fee. If handled responsibly payday loans can be useful forms of credit. Depending on where you live you can get a payday loan for 2 weeks on a 100.00 for 17.00, sometimes less. If you pay it off in a few days it will cost less than that. But due to the increased costs for carrying the loan for longer that 2 weeks, if you can't pay it off in 2 weeks, DON'T get one. CheckCity.com is a solid lender with low rates|||that is completely false. The only difference is if you sign or enter a PIN.





It is true that some companies take a few days to process credit transactions but there aren't very many. Unless you have the money in your account or you are prepared to pay the overdraft fee and/or be declined then don't try it.|||Don't count on it.





With VISA logo, the charge can go through as a credit.





As for how long it takes to post, there's no guarantee that it's delayed at all.