Why is it easier to dispute charges on credit cards than debit cards?

Question

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?

In: 1228

Answer 1

Another way to look at this is if your debit card is stolen/compromised, they could drain your entire checking account. You not only have to cancel the card, but you also now have to fight to get all your money back. But if a credit card is stolen/compromised, they will effectively “run up a bill” on the credit card, but your personal funds remain untouched. So there is an extra layer of protection. And when disputing the credit card transactions, you are essentially disputing the “bill” they will charge you at the end of the month, rather than disputing past expenses (money is already gone) in the case of a debit card.