Quick question to founder lurking here - if you're advertising yourself as a credit card and yet you do not extend credit (and use bank account as funding sourc

Quick question to founder lurking here - if you're advertising yourself as a credit card and yet you do not extend credit (and use bank account as funding source) aren't you misadvetising? If it's just a virtual debit card, you are likely providing far less protection to consumer than a credit card would.