> With a debit card you’re relying on the bank’s good will. With a credit card it’s the law. Can't emphasize this enough! It is true that many banks do offer

> With a debit card you’re relying on the bank’s good will. With a credit card it’s the law. Can't emphasize this enough! It is true that many banks do offer fraud protections on their debit cards. But those are just a choice by the bank. They can at any moment stop or withdraw those protections and then you're out of luck. With a credit card, the protections are written into regulation, so every bank must follow them and can't change the terms.