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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When you use a debit card, the money is taken directly from your bank account. If there’s an instance of fraud, the money’s already gone from your account and is unavailable to you until the bank decides the fraud was real and restore your money. Sometimes while fraud claims are being processed, the bank will freeze your entire account, preventing you from using your money to pay for other bills, etc..
When you use a credit card, you are using the bank’s money while your money is safe. If there’s fraud, the transaction(s) are suspended and you might temporarily lose access to your credit card account while the matter is being investigated and new cards with new numbers being sent to you, but the money in your bank account stays put and available for you to use to pay for other bills, etc..
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