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

While the top answers are true, they miss the fundamental reason for this. Credit cards charge retailers around 3% of the purchase price. Debit cards not so much. Because credit cards make so much more money, there is more demand for consumers (you!). So credit card companies are incentivized to appeal to consumers and provide benefits (like paying attention to you, forcing retailers to play ball, potentially “eating” chargebacks) whereas they do not have these incentives for debit cards.