Many protections in laws only apply to credit. See e.g. https://consumercomplianceoutlook.org/2016/first-issue/credit-debit-card-issuers-obligations-consumers-d

Many protections in laws only apply to credit. See e.g. https://consumercomplianceoutlook.org/2016/first-issue/credit-debit-card-issuers-obligations-consumers-displute-transactions/ https://consumercomplianceoutlook.org/2016/first-issue/credi... https://usa.visa.com/dam/VCOM/download/about-visa/visa-rules-public.pdf https://usa.visa.com/dam/VCOM/download/about-visa/visa-rules... here's a 1031 page document with all the technical rules from Visa. You'll note there are entirely different sections for debit and credit.