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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I’ve never had issues disputing charges with my bank.
However, the big difference I’ve personally experienced is the speed at which it gets taken care of.
I’ve had disputes with my bank that takes them weeks to fix vs. days with credit cards.
And in the meantime, depending on the bank they may put a hold on the account or if you’re lucky just the amount of money that’s being disputed until the matter is resolved.
Which means your actual money could be inaccessible to you for a meaningful amount of time, which could be a massive pain in the ass if it’s an account you pay bills with.
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