> Living in Holland, where everyone does online transactions with iDeal, I find it hard to understand why the rest of the world is using credit card payments at

> Living in Holland, where everyone does online transactions with iDeal, I find it hard to understand why the rest of the world is using credit card payments at all, for anything. We do have both ideal type payments and credit card payments in Finland (I assume ideal is a direct bank payment to merchants account?) I still personally always use credit card if possible as it gives the customer extra layer of security. For example in cases where you purchase something quite expensive let's say a holiday package if the company does not deliver the holiday, goes bankrupt etc you will get the money back with CC but NOT if you have paid directly via web bank payment form. Same thing with online fraud, if you pay to fraudulent website it's going to be extremely hard to get your money back if you have paid it directly to scammers bank account.