Do they? With a credit card, the impact of a fraudulent charge is I click "dispute charge", and my credit limit is effectively lowered by the amount of the frau

Do they? With a credit card, the impact of a fraudulent charge is I click "dispute charge", and my credit limit is effectively lowered by the amount of the fraudulent charge. If the dispute is resolved in my favor, great. If not, I eventually have to pay it off. It's my understanding that with a debit card, even if you dispute the charge, the money is still gone until the dispute is resolved. Is that not true? If so, that's quite a big difference. I suppose it's the "same", but there's a big practical difference between "my money is gone" and "my credit limit is reduced."