Also the fact that credit cards aren't your money you are spending. If someone steals your credit card, you can say "Not my money! That's your problem" while a

Also the fact that credit cards aren't your money you are spending. If someone steals your credit card, you can say "Not my money! That's your problem" while a debit card is the opposite. Plus banks employ people to fix fraud while you (probably) don't. Sure a bank will eventually rectify debit fraud but in the mean time, why would they care? It isn't their money.