Those protections are the main reason it’s recommend to use credit cards instead.
But it doesn’t make sense to me, why would I borrow money (credit) if I had it (debit)?
My guess is that banks deliberately do this so people can accidentally spend more money than they have and companies start charging interest.
In: Economics
The protection comes from it being the bank’s money tied up in a charge dispute or fraudulent charge, meaning the money isn’t gone from *your* bank account while resolving the issue. The credit card created a layer of protection between your bank account and merchants. Just spend what you can pay off each month, and pay the balance in full each month. Then there are no negative repercussions like interest charges.
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