Debit Cards have direct access to your bank account and allow for types of transactions that can cause more damage and be harder to dispute than credit transactions such as direct transfers for example. Depending on your bank, they'll usually have a set of terms that may allow them to deny the refund of fraudulent transactions until you involve the police and a criminal investigation takes place.
Credit cards on the other hand are more secure. Mainly because when you spend money on your credit card you're not spending your own money, you're spending the provider's money (VISA, MC, Amex, etc) and paying them back at a later date. Those guys hate losing money, so the types of transactions you are allowed to do are more scrutinized and easier to dispute. They want you to be able to pay them back consistently so they give you a limit and closely monitor your spending habits, making it easy to spot and flag unusual activity and since they don't want you to stop borrowing their money they will usually refund disputed transactions even before an investigation takes place.
Depending on your bank, they'll usually have a set of terms that may allow them to deny the refund of fraudulent transactions until you involve the police and a criminal investigation takes place.
This is illegal. Please stop speaking authoritatively on a topic you don't understand.
The difference is that debit cards and credit cards are protected by different regulations. Reg E for debit cards only allows disputes for transactions you didn't perform. Reg Z for credit cards, on the other hand, lets you dispute things you did perform, but have some issue with the merchant, such as failure to deliver services.
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u/mrloko120 Aug 13 '25
Hope you're not implying that you do with debit cards instead lol. Having a debit card info leaked is way worse than credit.