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 UK, if you pay for something expensive (over £100 and less than £30k) with a loan, and there is a problem, then the seller and the loan company are BOTH required to make it right. If the seller is not helpful or bankrupt, then you can go after the lender.
This doesn’t apply if you just get a loan separately, but it does apply to credit card purchases, “but now pay later” deals, car dealer finance deals, or other cases where the seller arranges a loan for you.
This law was introduced because of scandals years ago where people had to keep paying for items that were defective or never even delivered. The supplier had gone bankrupt but the separate finance company still wanted their money.
Note that banks do have the ability to do “chargebacks” for debit and credit card transactions of any size. But that is based on the contracts between everyone involved, and the bank can use their judgement, and may refuse. In contrast, “Section 75” is a legal right, and you can take your credit card company to court to get the money. And your credit card company knows that, so they will help you.
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