> To be fair, all of these are American oddities. In Europe where people mostly use debit cards and neither chargebacks nor returns for functional goods bought

> To be fair, all of these are American oddities. In Europe where people mostly use debit cards and neither chargebacks nor returns for functional goods bought in store exist, all of these are true for card transactions. Only the privacy point remains. Are they? I can't speak for Europe, but in Australia we have a chargeback system. If I don't recognise a transaction on my credit or debit card, I can request a chargeback via the bank. It would surprise me if none of the 40+ countries in Europe offered this. What do you do if there's a transaction you don't recognise?