Credit vs. Debit

When a merchant asks 'debit or credit?' you may choose either. Our cards can be run on both networks. The only difference is that 'debit' requires a PIN and it finalizes very quickly, and 'credit' doesn't require a PIN and may remain pending for several days.

Despite its ability to be run either way, your Simple card is a debit card and it does not allow overdrafts. Any transaction that exceeds your available balance will be automatically declined. You won’t be charged interest, and we don’t check your credit when you’re applying for a Simple account.

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