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> All your bills to get paid don't get paid. You can't pay for food or anything. Hopefully it didn't happen when rent was due.

What's the difference between that and somebody's only credit card getting maxed out by fraudsters? They also can't use it until they receive a provisional credit by their bank.

If your point is that a credit card separates rent from other payments, nothing is stopping you from having multiple checking accounts either.

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Your bank's fraud department and your credit card's fraud department are different teams and because credit card fraud is a much more well known problem, that department is better and more quickly able to deal with the problem. In my world view, anyway.

I don't doubt that that's the case in many banks, and there are probably also huge differences across banks, just like with other aspects of customer support.

The takeaway for me would be "don't bank with a customer-hostile bank", though, not "hope that the credit card department of your bank is better than the average of the bank".

Most people don't pay their rent with their credit card lol.

True, but what's your point?

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