Falling for online scammers

Hi there, what happens if we do click these links or do give out our credit card details and fall for a scam over something? What happens then? Is there any way to reverse scam transactions or do we end up lumbered with the debt? I see you are putting plenty of articles online about scams, which is really helpful about what to look out for, but I noticed the scammers are getting smarter too…so what happens if we fall for one?