Compared to cash or a debit card, spending with a credit card gives you additional protection if something goes wrong. This is because most credit card purchases are covered by something called Section 75 of the Consumer Credit Act 1974.
Under Section 75, Bank of Scotland is jointly responsible with the retailer or supplier and may be able to provide you with a refund if an item or service you’ve bought is:
Section 75 also covers you if:
There are a few things to remember about Section 75 protection.
Section 75 cannot provide compensation if:
Section 75 protection won’t apply if you use your credit card to fund an account with a third party provider, like PayPal, and then pay for goods or services with that account. This may also be the case if you purchase via a market place website.
For more information about Section 75 or if you want to make a claim, visit our credit card payment disputes page.