A slightly different but similar issue is paying for services in advance but never rendered. When that happens on a credit card I just inform the card issuer and they handle it.
We were going to get a large water purifier from Costco. On the order of $6000. We paid, but we had 3 days to cancel. We found it for significantly cheaper the next day and cancelled. 3 months later Costco still hadn't reversed the charge, so we challenged it with the credit card company. Fixed in 24 hours.
Also, it's worth pointing out that when you challenge something successfully, it's effectively like it never happened. Interest gets rolled back and you can call to have late payments associated with that time period striken from your credit report.
On the flip side, I would never use a debit card. I've been told "your pin was used so it must have been you" when contesting small things there. Credit card have chips and some banks allow you to use pins.
If someone steals your card and can guess your pin, then you're out of luck in filing any claim because obviously you disclosed your pin.
Not sure if a fraudulent charge of a debit card is a thing I ever heard of in Europe. These cards have also been using chips for over 20 years. Maybe they work differently here.
To me credit cards sound less secure than debit cards: debit cards have chips and pin codes. With credit cards, knowing the number is in theory enough (they have digital verification now too though). Also, with debit cards, you put it in the payment terminal yourself.
With credit cards, in the US I've had the waiters in restaurants taking your credit card from your table, walking to somewhere else with it, and giving it back to you later. I had never seen that before (In Europe, they carry a portable payment thingie in which you can put/tap credit or debit cards to the table). How is that more secure? They could easily copy the number there.