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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A credit card isn’t spending your money, it’s spending a company’s money. That company has incentive to find and stop fraudsters, both because of financial reasons and because of legal requirements.
When you use a debit card, it’s basically the same as cash. You are taking your cash and handing it to somebody else *digitally*. It has left your account, which means it cannot easily be tracked or recovered.
Debit cards are also much harder to use when stolen (because they are PIN protected).
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