Because most credit cards and debit cards follow different regulatory protections. Credit Card: FRB Regulation Z Debit Card: FRB Regulation E From a Fraud P

Because most credit cards and debit cards follow different regulatory protections. Credit Card: FRB Regulation Z Debit Card: FRB Regulation E From a Fraud Prevention perspective, the companies are incentivized to take measures to prevent suspicious transactions from happening to begin with. With debit cards, there is a $500 liability that can be shifted to the consumer*, so less "pressure" to develop more stringent controls. Lastly, this calls for different customer experiences when you dispute Fraud (http://www.creditcards.com/credit-card-news/4-keys-zero-liability-policies-debit-credit-1282.php http://www.creditcards.com/credit-card-news/4-keys-zero-liab...).