The overall theme here is difference between bank, and visa/Mastercard. If I have a legitimate charge on my debit/chequing account, I too don't know how to rev

The overall theme here is difference between bank, and visa/Mastercard. If I have a legitimate charge on my debit/chequing account, I too don't know how to reverse it directly through bank. But if I pay with visa or Mastercard (actual credit cards), I call the toll free number or go to website and start process and go through it. Partially it's that highbibterest rates pay for policies and systems and options and insurance. Partially that credit card fraud is common so systems must be easy for consumer. E.g. I had my credit card used by somebody else probably 5 to 6 times over 15 years. They'd call me when they detect fraud,we'd go through list of transactions, and based on quick word over phone they'd cancel all transactions that weren't mine. It's a very different process than banking.