Sadly in Europe a lot of these transactions are done on debit cards, which make redress much harder if not impossible - once the money is out of the account, it's gone for good. Banks may or may not eat the loss depending on a number of factors, size being one of them: 4+digit amounts will likely never be reimbursed.
But yeah, CC are safer, it's one of the things you pay for (typically by mean of higher prices, as merchants pass on their CC fees to customers).
> Sadly in Europe a lot of these transactions are done on debit cards, which make redress much harder if not impossible - once the money is out of the account, it's gone for good.
While this is true, it's also much harder to do a fraudulent payment. The card number itself is not enough; you actually have to go through the bank's payment system with its 2FA, and that's not something a thief can easily fake.
But yeah, CC are safer, it's one of the things you pay for (typically by mean of higher prices, as merchants pass on their CC fees to customers).