> The Section 75 protections mean Brits who are credit-worthy tend to pay for large purchases on a [credit] card even if they intend to pay it off immediately.

> The Section 75 protections mean Brits who are credit-worthy tend to pay for large purchases on a [credit] card even if they intend to pay it off immediately. And Visa and Mastercard's global zero liability provisions protect everybody with a debit card, so de facto the difference is no longer relevant. That said, some banks are pretty bad at making use of their dispute rights with the networks. I've seen several German issuers actually refuse to file "service not provided" disputes in case of a large airline bankruptcy a few years ago. (German bankruptcy managers can be somewhat intimidating rhetorically, but fortunately their personal opinions have no bearing on banking/payment laws.)