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You can't chargeback on debit cards which most of the world uses so this point is moot for most people. I've never owned a credit card in my life and while it's
by esperent 2mo ago
You can't chargeback on debit cards which most of the world uses so this point is moot for most people. I've never owned a credit card in my life and while it's not exactly a hot topic of conversation I don't think most of my friends or family have either (European). I rely on EU consumer protection laws rather than chargebacks, and those wouldn't change if I was paying by a QR code instead of Visa.
- edualm 2mo agoYou absolutely can do chargebacks on debit cards. I say this as an european, having done chargebacks myself and having advised friends in doing the same, with debit cards. I can only say this for Visa/MasterCard branded cards though; rules may be different in national networks.
- esperent 2mo agoI just looked it up and you're right, but chargeback is like a fraud dispute then? I did have to make a dispute on a completely fake charge on my card once, through visa, and it took weeks, they denied it once, then they threatened me that if I appealed that and it got denied again there was going to be a ~€500 charge for the failed appeal. Given that the actual fraud was about €650 that was a bad deal but I risked it since it was such clear fraud (someone ordered a bunch of stuff from the ios store, I don't own a single Apple device or have an apple account, and the email address was someone else's). Luckily it went through the second time and I got the money back but if that's what counts for "consumer protection" I'll go for EU laws in future, thanks.