[fredoralive]

In a UK context, the "better consumer protection" comes from the Consumer Credit Act 1974, not the banks goodwill.

(Although the time my debit card did get stolen somehow, my bank did refund out of goodwill presmably becuase they didn't want to lose a customer).

[rkangel]

You actually get much better payment protection from a debit card than people are generally aware of. In the UK, the difference between a debit card and credit card is actually not very big due to legal protections (although you might have an easier time claiming off your credit card).

[HatchedLake721]

You sure? Section 75 is not equivalent to requesting a chargeback.

https://www.which.co.uk/consumer-rights/regulation/section-7...

[PeterisP]

" the time my debit card did get stolen somehow, my bank did refund out of goodwill" - IMHO not, depending on when that happened, the bank would not have a choice because of EU payment service directive which extends similar (but not exactly the same) protections to all payment instruments including debit cards.