Hello all,

While filling up at the gas station today I realized my habitual use of the CREDIT option, as opposed to the DEBIT option, when using my ATM card.

I primarily started doing this way-back-when due to the higher limit allowed on withdrawal transactions using the CREDIT option, in my case 5000 vs 500, and it just became habit.

I'd like to ask the greater minds here to offer their thoughts on the possible ramifications of this vis-a-vis claiming redemption through lawful money.

My personal take on this is that my demand on the signature card attached to this account, in addition to my NaD served on the FED, should render any assumption of private credit usage moot but as I am yet a novice with this process, and with the recent discussions of making demand on a PER TRANSACTION basis (something I see no way to do with ATM card transactions where no paper signature is required), I'd like this thread to serve as consensus on this issue.

With gratitude,

Robert Henry