Yes, but even then you can usually go to the bank, at least in italy despite not being called chargeback you can ask a refund for scams or similar issues. More modern fintech banks give you this option directly in the app, otherwise you might need to chat with an operator

At least here I see online that there's the possibility to do so (even with debt cards). However, I guess that with a credit card it is going to be less annoying for you, or any way easier for you, since it's their money on the table and not yours

I'm talking about italy btw

Edit I also think that prepaid cards here are what have less protection