[carlosjobim]

Yes, we're talking past each other. What credit card fraud protection means is that if you purchased something and didn't receive your product, or didn't receive the product as specified, you will get your money back from the credit card company. If you purchase something with a bank transfer and you didn't receive the product you can call the bank, but they won't give you your money back. With credit cards you have some protection against being scammed.

[withinboredom]

Ah. That makes sense. Yeah, bank transfers aren’t really protected from that use case. Usually you just contact the merchant and have them refund you. I’ve never used a chargeback.