[orev]

The way the credit card system is setup is what it is. If you know what you are doing you can take advantage of it.

One should almost never use a debit card, as if it gets compromised the money comes directly out of your account and the banks don’t have much incentive to help too much.

With a credit card, that stolen money belongs to the bank, and therefore they have a big incentive to get it back, so using this kind of card allows you to wield the power of a large company for your benefit. As long as you pay off the full bill every month, you are getting this protection for free.

[tener]

Perhaps this is regional thing, but in my country I get exact same level of protection for both credit and debit cards. Regulatory pressure can be useful at times.