Credit cards work how your agreement says they work. If you exceed your credit limit they can offer to extend you more credit but charge you a fee/penalty for doing that. Conversely, you can have a bank that will decline debit transactions instead of extending overdraft protection.
Credit card companies are less likely to extend overdraft protection, because if you're already at your credit limit they may not want to risk lending you even more money, but that's why there's typically a fee to offset the risk when they do offer it.
> If we're talking about debit card fraud, every single time that happens, the money will be gone while you're waiting for the dispute to be resolved.
The amount of money you have available to you is the sum of your positive balance and your available credit. If you have $1000 in available credit and $1000 in your bank account, you can spend up to $2000. If you have to dispute a new $100 transaction, you can now only spend $1900 more dollars until the dispute resolves, regardless of whether the dispute was on your credit card or your debit card.
Credit cards work how your agreement says they work. If you exceed your credit limit they can offer to extend you more credit but charge you a fee/penalty for doing that. Conversely, you can have a bank that will decline debit transactions instead of extending overdraft protection.
Credit card companies are less likely to extend overdraft protection, because if you're already at your credit limit they may not want to risk lending you even more money, but that's why there's typically a fee to offset the risk when they do offer it.
> If we're talking about debit card fraud, every single time that happens, the money will be gone while you're waiting for the dispute to be resolved.
The amount of money you have available to you is the sum of your positive balance and your available credit. If you have $1000 in available credit and $1000 in your bank account, you can spend up to $2000. If you have to dispute a new $100 transaction, you can now only spend $1900 more dollars until the dispute resolves, regardless of whether the dispute was on your credit card or your debit card.