A debit card is tied to a bank acount (or some other account) that has actual funds in it. It's same as a check. Once it's cleared, it's quite difficult to ge

A debit card is tied to a bank acount (or some other account) that has actual funds in it. It's same as a check. Once it's cleared, it's quite difficult to get the funds back. A credit card is different. If a transaction is submitted for reversal within the allotted time period, the charges are simply reversed. In the case of a fraudulent debit transaction that gets disputed, your bank has to file a claim with the other bank, and somebody (possibly other than the merchant) is taking a loss. Banks don't like that. Credit card reversals mostly result in the merchants taking the loss, and the banks will usually side with a consumer.