In the rare case of things working properly, I ran out to the gas station and my hand was shaking from dragging the trash and recycling to the road while putting the debit PIN in at the cash register.
Hit a wrong key first but automatically hit enter.
Husband immediately got a Decline alert.
That's a tiny bit of piece of mind.
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At this point I want to point out that within the first 7 years of our being together my husband left our debit card behind 5 times and 3 times someone picked it up and used it for hundreds of dollars in purchases.