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

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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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Anonymous 0 Comments

In the USA there is a law that says a credit card holder is not liable for fraudulent charges, simple as that. Debit cards have no such safeguard laws.

Having said that, I’ve never had any trouble getting false debit card charges reversed, many times over the years. Your mileage may vary.

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