Which card type generally requires the cardholder to enter a PIN for transactions?

The correct answer is the debit card because this card type typically requires the cardholder to enter a Personal Identification Number (PIN) to complete transactions. A debit card is directly linked to the cardholder’s checking account, and using a PIN enhances security by ensuring that only the authorized user can access the funds associated with that account.

When a transaction is initiated with a debit card, entering a PIN is a standard method of verifying the identity of the cardholder. This process helps prevent unauthorized use of the card since knowledge of the PIN is crucial for transaction approval.

In contrast, gift cards do not require a PIN for use; they typically require only the card number and CVV for transactions. Credit cards usually rely on the card holder's signature or sometimes just the card number without a PIN, while charge cards (which require the balance to be paid in full each month) also function similarly to credit cards without needing a PIN for standard transactions.