Fraud protection is inherently better for credit cards, because you haven't spent your money. The bank has spent the money, and you don't have to pay the bank i

Fraud protection is inherently better for credit cards, because you haven't spent your money. The bank has spent the money, and you don't have to pay the bank if someone defrauded the bank. So the bank has every incentive to get the money back. Not so with debit. You spent your own money.