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
If you get defrauded with a debit card, you lost your money. If you get defrauded with a credit card, you lost the bank’s money.
The bank cares about their money, not yours. And the bank has the means to get it back.
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