this post was submitted on 10 Feb 2026
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Yes they do offer actual protections.
A debit card while using visas processing network is still your banks account and their responsibility. And it's your personal money. Unlike a credit card which is NOT your money and not your sole liability. You are jointly liable with a credit card and solely liable with a debit card.
A credit card the account is with visa, tho it may be managed by your bank thanks to partnerships and bank end integration. Depending on the circumstances you actually will be directed by your bank to contact visa or who ever directly or be forwarded by your bank.
Debit cards are not credit cards. This seems to be a weird hang up people can't seem to understand. Doubly so when they are from Europe. It's always struck me as odd.
Yeah - that's why I always use credit if I can. If someone steals my credit card, I'm protected. The money doesn't even leave my account, so I don't have to worry about losing access to my funds for a few days while everything is worked out.
Aha, interesting. I never had a credit card because it would be too stressful for me to take out micro-loans for stuff. Still weird that it's visa/MC money and not your bank's though.
Do you have a source on this? Because it directly contradicts EVERYTHING I have ever experienced. Visa is a payment processor, but more as a middleman. I've even been redirected (through automated systems) back to my bank when making a purchase using a Visa card. Any disputes are handled by bank. You can't get a Visa card without going through a bank. My debit card has a MC logo and can be used as such, but it's also my ATM card.
Your point about debit vs credit is valid, though possibly more convoluted than needed. On credit, it's someone else's money in limbo, until the bill is paid.