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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There are laws that protect credit cards and do not protect debit cards.
To use a credit card in the US, you just need the physical card or card number.
To use a debit card in the US, you have to have a private PIN.
The assumption is that if someone had the PIN, it was authorized.
But wait! I can use my debit card like a credit card and just swipe it! Not always, and typically the transactions that are done this way are protected under the same credit card rules since the debit card is being used as a credit card in this situation
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