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According to the American Bankers Association, many merchants view debit card purchases in the same light that they do purchases made with cash or personal checks. That's an important distinction for holiday shoppers to consider before making purchases, as any items bought on their debit cards may only be worthy of store credit instead of a full refund should such items need to be returned. Shoppers buying gifts for friends and family members should understand that, even if they remember to include gift receipts when wrapping gifts, those items may only be eligible for store credit if purchased with a debit card. When buying items with credit cards, consumers can withhold payment if they are not satisfied with the product. No such option exists when using debit cards. In addition to more restrictive return policies, shoppers who use debit cards may incur debit transaction fees, This means they are charged each time they use their debit cards, or such fees may be triggered when users use their card too often. Debit card users can check the agreement signed when they opened their accounts to determine if they will be subjected to debit transaction fees. Holidays shoppers whose purchases are subject to such fees may want to avoid using their debit cards during the holiday season.