Comment by gruez

Having chip/pin is orthogonal to the card being a credit or debit card. If anything, at least in the US a credit card has better protections in the event you are defrauded. If a fraudster drains your debit card, your money will be gone until they reverse the charges which can be days or weeks. In the meantime you won't be able to pay your bills or your rent, which can cause you to rack up late fees. On the other hand, if a fraudster drains your credit card, they stole your bank's money, not your money. The money is still in your account.