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

In the UK they are covered under separate regulations. A credit card is a purchase on credit or finance whereas the debit card just comes out of your current account. Credit purchases in the UK are heavily regulated and customers can claim a charge back under section 75 of consumer credit act. So if a purchase is made online and its missold, never arrived etc, you claim through section 75. Debit cards, you’re reliant in good part on the goodwill of the banks (if such a thing exists).