And headache. If there's fraud in your debit account, it's a big problem for you because the USD that got stolen were yours. That's less money you can now write

And headache. If there's fraud in your debit account, it's a big problem for you because the USD that got stolen were yours. That's less money you can now write a check for. Versus with a credit card, the money that got spent is only barely yours. Sure you're gonna have to dispute it etc but if it comes to it, you could always just let the account sit with a balance while a protracted dispute process works through.