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yes you can but debit cards count as credit cards and do not get the 3% cash discount price. the 35 extra is only on the amount that you charge in the case of the above colt the cash price is $748.00 down payment would be $149.60 cash or $154.80 credit/debit card leaving a balance of $598.40 (cash price) . now if you pay off the rest of the gun using E-checks, checks or money orders you pay only the cash price on the balance so the gun. The advantage of using debit/credit for the initial down payment is that it secures the gun (pulls it out of inventory) right away .

Yes, but most Debit/Credit cards are tied to a checking or savings account. ACH Bank Draft (Checking Account routing/account number) is freely pulling money from the same account. 3% is 3% you don't have to pay from the same account.