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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So, you have a bunch of apples, and I have a bunch of money. You want to sell your apples to me, but I tell you that I am only going to pay you at the end of the month. Since I am the only one willing to buy your apples, you agree to let me buy your apples any day, and then settle up at the end of the month.
We originally agreed that I would pay $1/apple, and through the month I buy 22 apples from you. And I loved everyone. Everyone except for one, there was a bad one that was rotting. I tried to take it back to you but you said buyer beware and no refunds.
At the end of the month, I tell you that I am only giving you $21, because I decided that I shouldn’t owe you for the rotting apple, and you have to agree before I give you, your money.
This is sort of how credit card companies work.
Debit cards work like you normally would expect, where you trade the money every time that you sell an apple. Once you get the dollar from me, I would have to force/convince you to actually give the dollar back. I have much less leverage/power over you. The worst case, is that I stop being a customer, you don’t lose out on all the money.
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