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Section 75: your rights when paying by credit card
Your credit card purchases may be covered if something goes wrong. Here we explain why, how it works and what you need to know.
What is Section 75?
It's never ideal when something goes wrong with a credit card purchase. Fortunately, certain credit card purchases are likely to be legally protected under Section 75 of The Consumer Credit Act 1974.
What does this mean? It means your credit card provider could be jointly responsible with the retailer or supplier if something goes wrong.
When do I have Section 75 rights?
When do I not have Section 75 rights?
When can I claim under Section 75?
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It applies when the total price of the goods or services is over £100 but not more than £30,000 and all or part of the purchase price was made using a credit card.
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Whether it's using your credit card for a deposit on a new kitchen or a new car, you may have Section 75 rights even if the part payment is £100 or less, if the total value of the item or service is over £100 but not more than £30,000.
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You can claim if you were using your credit card on holiday or buying from abroad. The over £100 but not more than £30,000 value rule still applies.
What you'll need to make a claim
If you think you have a reason to claim under Section 75, you'll need to show that the company hasn't complied with their legal obligations or that they have misled you.
Key points on Section 75
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