If
you put a single chip in the pot that is larger
than the bet, but you do not announce a raise,
you are assumed to have only called the bet. Example:
In a $3-$6 game, when a player bets $6 and the
next player puts a $25 chip in the pot without
saying anything, that player has merely called
the $6 bet.
In
poker, Tom, it’s called the over-sized, or
one-chip rule, that being, when responding to
another player’s action, a bet of one chip
with a denomination larger than the bet indicated
at that juncture is a call unless the bettor verbally
states otherwise.
The
over-sized chip rule also applies when more than
one chip is necessary to call a bet, and when
the last chip tendered might be interpreted as
a raise. Unless a player says "I raise,"
or words to that effect, he has only called. What
should have happened at your kitchen table is
that the dealer should have given change to the
over-size player before proceeding with the flop.
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