When using a debit card, holds placed for funds (i.e. hotel incidentals) impact real cash in your account.
When using a credit card, these holds impact your credit line, not your actual funds.
I avoid using my debit card whenever possible, because it protects my assets more securely.
"In a credit card dispute, the credit card issuer may issue a chargeback, which means that the disputed funds are taken from your merchant account and returned to the cardholder. With debit card disputes, the disputed funds are typically frozen in the cardholder's account until the dispute is resolved. This means that you may experience a cash flow impact with credit card disputes, while debit card disputes may have a more immediate impact on the customer's access to their funds."
https://www.chargeflow.io/blog/credit-card-dispute-vs-debit-...
Like I said, it's a very different world when it comes to payments over here. Apps like Cash App of Venmo are also don't really exist, for example, because banks already provide similar functionality in their apps without transaction fees.