This is after countless audits on the accounts to ensure that everything is as it should be. You are exempted from any charges for the charge or other charges if the credit institution agrees with you. Use your Credit Card to Place an order online or make a purchase via mail. It's crucial to know that credit cards are more secure than using a debit card when concerns fraud security. This is because credit cards are subject to different federal rules. Like we said earlier, if you make a complaint about an unauthorised payment to your credit card The credit card company provides a full refund as they look into the issue. The credit card company does not have the same rights with your debit card. Also, you are able to demand a refund if your online purchase fails to come in time or is damaged. The online company is reluctant to provide you with an appropriate solution. It is also easier to track such transactions because the transactions are taken online. Take Legal Action The legal system is in place in order to protect laws and order. The best advice is to seek the help from a professional lawyer who can assist you in taking the fraud man to court and get your money back. But, this is very complicated since the laws and regulations for these types of cases are different across the country. A lawyer can assist you to explore your possibilities. The legal proceedings may consume a lot of your time.