The terminology makes this so much harder to distinguish. My bank does have different consumer protections for different cards issued through them (debit cards require you to report fraud within 7 days, credit cards require you to report within 30). I didn't realize that the payment network used was not coupled to these mechanisms.

I wonder if financial marketing understands this? Associating credit with less risk, less requirements, in naming of the networks themselves? Even though settlement can occur on each network