Credit card: Most protected against fraud\n\n Other than convenience, the main benefit of using a credit card to pay is that the credit card company is expected to give you your money back and investigate reports of fraudulent transactions.
But it now requires banks to flag transactions that are considered risky including if a customer attempts to send payment to an account that has never had a transaction on the network before. According to Zelle, 99.9% of its transactions between 2024 and 2024 were reported free of fraud or scams.
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