Will it ? My question is is PIX our money or the banks ? The point Of credit cards, aside from the ability to use money not immediately on hand, is the ability to shift the liability off of oneself and onto another who has interest in getting their money back. If fraud occurs , the bank more incentivized to get their money back and the debtors money is protected.
PIX is only for one-off payments, it is essentially a bank transfer, you can't setup recurring payments. So that should lower user fraud and subsequent chargebacks (because the client can't)
On the other hand, because of fraud (social engineering), the central bank is looking to allow for cancelling payments, but afaik there is still nothing planned
