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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It isn’t. The whole thing of it being “easier” was made up on Reddit and has bounced around in the Echo Chamber until people think it’s the truth.
Chargebacks are handled by the card brand (visa/mc/Amex) not the card issuer. It makes no difference if the card is a credit or debit card, they’re covered under the same banking laws and handled the same.
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