I've had my debit card information stolen before. My bank knew before I did, cancelled the fraudulent charges, and refunded my money without any action on my part. Doesn't seem like a credit card would have been any advantage in my [admittedly anecdotal] case.

This problem could be solved.

Well not to stop it before it happens, surely, but an easier time reclaiming your money due to the buffer.

It's not fraud, it's interest.

If you use a debit card and can't cover a transaction, it just doesn't go through. If you have a credit card then the bank pays and now you owe them, and they'll charge you extra for that privilege.

But is it really worth all of the junk that you have to accept? I like the credit scoring, the monthly subscription, and, if you miss the date for paying back, the absurdly high fees. Well, yes, with the debit card you have, technically speaking, the risk of someone being able to make about 100€ worth of RFID payments, and then the code is needed again for the next 100€ RFID payments. For everything else that doesn't involve RFID, the code is needed always.

Debit cards typically have PIN numbers.

I know these can be defeated in various ways, but its not usually as simple as, just steal someone's card.

Also, you can just go to your bank or credit union, call them, report online or w/e: Hey, my card got stolen, these txns are fraud.

Might not be as streamlined or as fast as a payment challenge with a credit card, but its not that much worse.