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 short answer is that banks care more about protecting their money than they care for your money. It’s also one more reason to encourage you to use one instead of a debit card. Banks make a killing from credit cards so they try to get people to use them as much as possible. The good news is that as long as you pay them off on time, you don’t spend extra money
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