Furthermore, when you pay with a credit card your credit card company gives you some protection in the UK if the merchant doesn't deliver or there are problems. There is no such protection in Poland (that I know of)
Of course there is (or at least with non-delivery). If the merchant doesn't deliver, you just tell the credit card company you will not pay the bill unless they show you your signature confirming that you authorise the transaction: no signature = no legal obligation to pay. The card company might try to tell you that you must pay but at the end of the day, they will
back down because they know that if it goes to court, they will lose.
This whole 'credit card payment protection' stuff in the UK is nothing but advertising. The credit card companies are generously giving you what you already have and telling you that they are really nice people for doing it! The only better scam was in Poland when credit cards first came out: back then you had to pay extra monthly fees if you wanted to have 'insurance' on your card. This insurance meant that from the moment you notified the card company that your card was lost, you were not liable to pay for anything charged to your card. If you didn’t have insurance, you were supposedly liable for what was charged to your card for the five days after notifying the card company because it took them five days to cancel your card! Of course the reality was that you were legally liable for nothing charged to your card if you hadn’t signed to authorise it but card companies were simply taking advantage of people who knew no better.