Credit cards don't work like that in Europe. It's more like a debit card. You don't get the purchase warranty perks and chargebacks are highly restricted. They will sometimes charge back but you have to have real proof. It's not like the US.

This is why credit cards are really uncommon in Europe. Most people just use their debit cards that are free and can also use the regular credit card systems (with the exception of the Netherlands which has a different system). A credit card really only makes sense here if you want to use its credit. And if you do there's cheaper options.