Credit cards are more secure than Debit cards, but they lack one important feature: protection from overdrawing more than the amount in the account (overspending). Why don't banks offer this type of credit cards?
If you try to get some "unreasonable" amount of money from them - probably. Anything that you're remotely likely to pay off in penalty charges is unlikely to get blocked. That means an unauthorized overdraft of $1k that you don't have is a good deal for the bank.
