Comment by Shog9

What smelendez is alluding to is the matter of who is liable while fraud is being resolved.

In the US, a charge on your bank card results in at least a hold on your bank account - money you can't spend on anything else until the hold is lifted. Worst-case, there can be significant fees associated with this (overdraft, declined payments, etc.).

For most of us, that's a much bigger problem than a debt we may or may not end up paying interest on.

From personal experience, getting a credit card company to quickly resolve fraud cases is also much easier than getting a bank to do the same, even when it's ultimately the same institution.