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

Aside from credit cards being a giant IOU, the money isn’t instantly gone like a debit card. I know some financially illiterate finance folk like sing the praise of debit cards, but they are terrible.

The only time a debit card is good is if you are literally incapable of controlling your spending