this post was submitted on 29 Jul 2025
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It's about who's lawyers you can rally to your defense in a dispute.
With a credit card you're spending the bank's money. If you can convince the bank you're in the right, it's you and the bank's lawyers recovering the bank's money.
As a debit card user, the banks will support your legal rights, because it's good business for your clients to prosper. While the bank's lawyers won't go to bat for you, many will be willing to give you quasi-legal and quasi-financial tidbits or point you in the right direction.
As the bank's client's employee, you're basically on your own. Good luck.