[crazy_geek]

With a CC, the money is taken away from your CC company, not your bank account first. So you won't have to deal with the potential cascade of overdrafts, bounced checks, etc.

Secondly, CC Cos because they're first in line to being on the hook, seem to be better at picking up fraud (I have no idea why). When my CCs have been comped, they notified us and shipped us new cards before we could have reasonably found out that anything was askew.

[winternett]

I get that, but it just seems like banks make up the rules as they go... I have full coverage on my debit card, actually a limo company stole money from me a few years back on my debit card and I got reimbursed immediately, but it seems like those policies can be changed any time and almost like banks want to trap you in an inconvenient situation. :/

I thought they changed to chip cards BECAUSE they were better at preventing fraud... Banks used to pay me 3% interest on my account, until a bank bought mine out and changed policies arbitrarily...

[whalesalad]

The more abstractions you have around your money, the better protected it is.