Re:Your Mother’s Maiden Name Is Not a Secret
by tscs37 on Saturday December 30, 2017 @04:21PM
(#16037682)
>I didn't have a receipt or anything.
IIRC from my current law course, if you didn't get a receipt (or other proof of transaction/contract) the vendor has no right to your money. You'll get receipts everywhere.
Fraud is rare enough here that it's not much of a hassle, the legal system being in favor of the customer helps too.
Germany has also a rather non-credit oriented mindset, people don't like taking up debts or credit, a debit card is usually prefered by everyone, seller and buyer.
In this case, all I had to do was log into my credit card website, click "dispute transaction", explain what happened, and forget about it.
Moreover, I don't know what would have happened legally, as it is a reputable, well-established vendor in the local area, and it came down to my word versus theirs - I didn't have a receipt or anything.
> Plus you get the money back.
The money never even leaving my account is much preferable to getting it back.
The US debit system works in a similar way as you describe, but the credit system is still better for that reason.