Credit cards offer a layer of protection against online shopping scams by enabling users to dispute fraudulent charges. Most credit card providers have fraud detection systems that monitor transactions for unusual activity. If a scam is detected, users can report the issue and in many cases – receive a refund for unauthorized purchases.
Another thing is that credit cards do not directly link to your bank account, meaning they minimize the immediate financial impact of a scam. Several cards nowadays also offer zero-liability policies. No worries of being held responsible for fraudulent transactions. These features make credit cards a safer choice for online shopping compared to debit cards or other payment methods.
