In Denmark we mostly use local debit card, which also duals as VISA debit card when going international. But using a credit card like MasterCard or VISA in Den

In Denmark we mostly use local debit card, which also duals as VISA debit card when going international. But using a credit card like MasterCard or VISA in Denmark usually incurs a fee with most merchants. As for protection, I think you still have months to report fraud. Although you should always report it as soon as discovered.