Credit card fraud has a LOT of federally mandated protections, giving you a lengthy window of time in which to report it, capping the maximum amount you're liab

Credit card fraud has a LOT of federally mandated protections, giving you a lengthy window of time in which to report it, capping the maximum amount you're liable for to $50 (I believe), etc. Debit cards tend to have fewer protections, though they still have some. And because the money has already been taken out, you can be more detrimentally effected; the bank has to investigate and decide to give you your money back, basically, which takes time (and hopefully you have an uncompromised account if you need to pay bills or whathaveyou) whereas with credit cards the bank has to investigate and decide it's not actually fraudulent behavior and re-charge you (not sure how all that works though). Just plain inertia works in your favor when it comes to credit cards.