It's also a VISA/MC issue. You cannot link a debit card as a debit card BIN license does not permit access to a credit product with the exception of an overdraft line of credit.
Here's the VISA rule 18.104.22.168 Visa Check Card Account Restrictions – US Region In the US Region:
A Visa Check Card may be used to access a deposit, investment, or other consumer asset account, including a fiduciary account. A Visa Check Card must not be used to obtain credit, as defined in 12 CFR Part 226 (RegulationZ), unless it involves only an incidental extension of credit under an agreement between the Cardholder and the Issuer, either: l When the Cardholder’s account is overdrawn l To maintain a specified minimum balance in the Cardholder’s account Visa reserves the right to determine the application of the definition of the Visa Check Card.
(I wonder if someone should let VISA know that the CFPB citation for Regulation Z is 12 CFR Part 1026)
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