I just read a thread where the comments heavily suggested OP use a credit card when they travel again so that it would be easier to dispute a fraudulent charge. What makes a dispute through your bank less successful?
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A major credit card company has a well-funded fraud department because it’s their money on the line. The last thing they want is a reputation for widespread fraud, and people jumping to another card out of fear of owing stolen money.
Outside of the big banks, most banks don’t have the manpower to chase down every dispute, nor the manpower to complete resolve issues. They also lack the funds to eat any potential losses if they can’t resolve the whole situation and get their own money back.
It just comes down to resources available.
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