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?

Most single item credit card purchases over £100 and up to £30,000 are covered by Section 75 if:

  • There has been a breach or misrepresentation of your contract.
  • The company you've bought from goes into administration before you've received your item.

An example of using Section 75 rights

  1. You paid £750 for a new laptop with your credit card, but the laptop never arrived as the retailer went bust.
  2. You may have Section 75 rights for the total cost.
  3. You may have Section 75 rights if you only used your credit card for a deposit.

When do I not have Section 75 rights?

You do not have Section 75 rights if:

  • You change your mind about a purchase.
  • Goods or services were bought with a money transfer or cash withdrawn from your credit card.
  • Each single item purchased cost less than £100.

Transactions that do not have Section 75 rights:

  • Purchasing of physical currency, traveller's cheques or digital currency, including top-up payment cards, digital wallets or account dashboard services.
  • Purchases involving cash equivalents, like money orders or wire transfers.
  • Transactions related to gambling, including payments made at casinos, betting outlets and purchasing lottery tickets.
  • Paying government fines, enforcement penalties, fees or costs.
  • Trading online, such as share dealing or investment transactions.
  • Using your credit card to fund an account with a third-party provider. Always check whether your third-party provider has buyer protection.

An example of when you do not have Section 75 rights

  1. You purchased two items online where one was worth £50 and another was worth £75.
  2. You would not have Section 75 rights if something went wrong.
  3. Each individual item would need to cost more than £100.

When can I claim under Section 75?

What you'll need to make a claim

If you think you have a reason to claim under Section 75, you will need to show that the company has not complied with their legal obligations or that they have misled you.

To prepare for all potential claims, we will need the following documentation:

  • A covering letter detailing the exact nature of your claim and what you have done so far to resolve it directly with the company.
  • A copy of your invoice, contract and terms and conditions.
  • A copy of all additional payments made to the company that are not on your credit card.

We recommend that you only send in photocopies of receipts and invoices.

We may also need additional supporting evidence, depending on the circumstances of your claim. This could include things like evidence that the company is no longer trading, copies of warranties, photographic evidence or independent expert reports, for example.

I want to make a Section 75 claim

If you want to make a claim, visit our credit card payment disputes page.

Key points on Section 75

  • Always try to resolve the issue with your retailer or supplier in the first instance.
  • The item or service you purchase must be over £100 or under £30,000 to make a claim.
  • In most cases, if you pay for goods or services where you used your credit card to fund an account with a third-party provider, Section 75 does not apply.
  • A Section 75 claim can be for the total cost of your item even if you use your credit card for part payment where the cost is £100 or less.

Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.