Why would you ever use a credit card over a debit card???

With debit you spend the money you own.

With credit you take debt. On every single payment. You are taking debt. Only at the end of the month you pay your debt.

If you spent too much, (by accident) you now have to pay overdraft interest.

With debit you spend the actual money you own.

If a purchase (fraudulent or not) exceeds your current balance, the payment won’t process.

But that is a good thing.

You shouldn’t be buying things you don’t have the money for anyway...