<prompt> Human: Had an experience today that really proves the worth of credit cards and their inherent fraud protection guarantees.Last night at around 5 am my Chase Sapphire card was used for an 800 dollar transaction at a Japanese merchant. The transaction was automatically blocked, and I got a text and an email asking me to confirm. When I woke up, I indicated that I had no idea what that transaction was all about.This morning I got a call from Chase, they asked me if the transaction was legit, I said hell no. They immediately cancelled my card, no questions asked, and agreed to overnight me a new one with Saturday delivery. Looking at my account, I dont see any mention of that 800 charge anywhere. If this was a debit card, I would have lost 800, and would have had to go through a ton of trouble to get my cash back. This is what credit cards are for - rock solid fraud protection, and a layer in front of your bank account.  <response>: Title is somewhat misleading. It should really read...This is why you should use credit cards over debit cards.Splitting hairs here, but in reality, a fraudulent purchase was possible BECAUSE you have a credit card. 