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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In the US, the Federal Consumer Credit Protection act, and various regulations created under it, limit a consumer’s liability for fraudulent charges. Basically, the banks MUST protect you against fraud, in most cases, because that’s the law.
There really are no equivalent laws when debit cards are concerned, so you’re basically relying on the bank’s goodwill and own policies to address fraud.
Also, with credit cards, unless you’ve already paid your statement balance before you report the fraud, you haven’t actually transferred any money, so it’s the company that is on the hook. But with debit cards that money has already been deducted from your account, meaning that you’re essentially asking the bank to pay you back.
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