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

The biggest factor is whose money is tied up during the dispute. With a credit card, it’s the bank’s money while with a debit card it’s money out of your bank account.