Credit cards offer a unique level of consumer protection that you don’t get with other forms of payment.
If you buy something between £100 and £30,000 with your UK-issued credit card and the goods are faulty or aren’t delivered, you will have a level of protection through Section 75 of the Consumer Credit Act. Normally the quickest and most straightforward way to sort this out is to speak to the retailer concerned. However, in situations like this credit card issuers are equally liable and you can look to get recompense from them. This applies to overseas transactions as well as those in the UK.
Section 75 does not apply to debit cards, although some debit card companies do offer similar protection so it is always worth speaking to your card company to see exactly where you stand.