this post was submitted on 02 Jun 2024
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A Boring Dystopia
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And your bank account isn't directly tied to a credit card, unlike a debit card. I've heard horror stories about people that have a $2k disputed charge that is just in limbo in a bank account until the investigation is complete and found in the account holder's favor.
Credit card companies actively pursue fraud and will advocate for their cardmembers first, whereas the banks seem to hold some apprehension; at least in my experience.
Yep, a debit card dispute is a "you" problem. A credit card dispute is the banks problem.
Ideally, a low limit credit card to facilitate transactions and buffer the responsibility of disputing charges is what they are best at. I feel like when banks just raise your limit for being a good customer is them trying to trick you into debt and fees.