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by w00kie 4043 days ago
I would argue that you are usually covered by fraud insurance by default when paying with your credit which is probably not true of bank transfers.
1 comments

Sure, but it's a different sort of protection, and although it's better in some ways (if you do things right, you can often get your money back for an existing transaction), it doesn't necessarily offer the same peace of mind as the more fundamental protection offered by a "push-only" system (bank transfers) compared to a "pull" system (credit cards).

In particular, a common worry with credit cards is that if you use them often for small transactions, your info will eventually fall into the wrong hands and then all bets are off.

In terms of peace-of-mind, there's a lot to be said for a system where payments are purely user-initiated...

[Presumably some variants on credit-cards can increase the security, e.g. generating a temporary card number when your bank offers such a feature, but these may lose some of the convenience advantages that are credit-cards' main selling point...]