Literally the first links when I search for ‘fraud protection credit card debit card” are below.

The TL;DR is:

- you have a short window to report DC fraud before you bear the full risk; CC risk is capped

- dispute a CC charge: you don’t owe anything / accrue interest until resolved; DC case you don’t get any money back until bank decides it’s not your fault. Tough luck if you needed that money to pay your rent.

https://www.consumer.ftc.gov/articles/0213-lost-or-stolen-cr...

https://www.experian.com/blogs/ask-experian/are-credit-cards...

https://www.nerdwallet.com/article/credit-cards/credit-card-...

https://creditcards.usnews.com/articles/why-credit-cards-are...

https://komonews.com/sponsored/wafd/financial-focus-tips/cre...