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You can but while you wait your money is gone, you can't use it. With a credit card it's the bank's money that is missing in the case of fraud or charge back.

• lxgr 2y ago
  Debit issuers are obliged to provisionally credit any disputed amount within at most 10 business days after the cardholder reporting a problem. That's of course still worse than not being out the money on a credit card, but it's not the dealbreaker many make it out to be, and could easily be amended by regulators if there was any interest in doing anything about the drag on the economy that are inflated card payment fees.
  • scarface_74 2y ago
    10 days without my money compared to no days without my money? You mean the same regulators who just rescinded the cap on overdrafts?
    • lxgr 2y ago
      Definitely worse, as I already acknowledged, but not as bad as people often make it sound. And yes, regulations alone aren't enough, they also need to be enforced. That goes for both credit (Reg Z) and debit (Reg E), though.