Credit card = Loan Debit Card = money in the bank. I am not trashing the credit industry, but when they give me 1% and I give them 24%... And in the UK I do

Credit card = Loan Debit Card = money in the bank. I am not trashing the credit industry, but when they give me 1% and I give them 24%... And in the UK I do get a refund for fraudulent purchases (e.g. someone copied my card details from a store and made some purchases of women's shoes from somewhere in the UK I have never veen) - NatWest flagged it, alerted me, refunded me.