[Kuinox]

> the lag time between hitting the button and getting your money back can be weeks.

Nope, it's as soon as the bank is aware. In your rush to correct me, you failed to understand that there are simply better customers protection here which make a product such as a credit card mostly useless.

[mlyons1340]

Not beating the pretentious European stereotype.

[margalabargala]

Big if true.

[hedgedoops2]

Pretty sure that debit chargebacks lead to an instant credit (by regulation).

I'm almost tempted to test it right now but I am pretty sure I did this once and it took under 1 day

Ok now I asked a chatbot for how this is regulated. The answer was wrong as expected but it happened to mention the applicable regulation which can be looked up at gesezte-im-internet.de

§ 675u BGB - requires immediate credit for unauthorized card payments

§ 675x BGB - chargeback in 10 days for direct debit transactions (lastschrift)

https://www.gesetze-im-internet.de/bgb/__675x.html

I guess this is just germany but I vagely remember a payment processor eu directive that this is probably implementing (PSD)

-> Yes. It is article 73 and 76 of PSD

https://eur-lex.europa.eu/legal-content/EN/TXT/HTML/?uri=CEL...

So this holds EU wide for all banks.

This was literally 15 mins of googling (well duckduck ing) on the train.

Now there still could be counterveiling evidence and ianal etc, so use grain of salt. Gotta get off now.