Consumers are protected by consumer laws. The nice thing with credit cards is that you first get consumer protection from buying, then you also get consumer pr

Consumers are protected by consumer laws. The nice thing with credit cards is that you first get consumer protection from buying, then you also get consumer protection from the bank. But if you make a bank transfer there is no consumer protection with the bank, only from the merchant. The problem is when you buy from a private person, then there is very little protection.