The terminology in this article is confusing. There are 3 different kinds of cards in question: (a) uses credit-card processing and goes against a credit limit, (b) uses credit-card processing (Visa, MC, Discover) but goes against your checking account, and (c) uses ATM processing (a PIN) and goes against your checking account. Types (b) and (c) are called “debit cards,” but when they ask you “credit or debit” for a given debit card they are differentiating between (b) and (c).
The article seems to be warning against the use of type (b) (debit cards that use credit card processing) and advises one to use type (a) or (c) if possible (credit cards which are really credit cards, or debit cards which use ATM processing).
But it sure could have been more clear. The first time I read it, I understood it as arguing against type (c).
Pity there isn’t better terminology for this sort of thing.