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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Credit card networks have contracts with sellers that allow them to reverse the transaction the entire way. It is a network of “IOUs” rather than cash changing hands. They can get the “IOU” back by negating it from the recipient’s account with the network. Debit cards are much more similar to cash changing hands, it’s inherently a much less reversible transaction.
Credit cards skim much more at the point of sale, they take like 5-10% of each transaction as operational fees in addition to interest charged to card holders. Since they generate much more revenue they have more available to spend on fraud investigation, insurance, or maybe even eating the cost in some cases.
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