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- So if you've paid for something on your debit card or for something on your credit card that's £100 or under, you've no choice but to seek a refund via chargeback. However, where you have paid on a credit card for goods or services over £100, you may be able to seek a refund via either route (see below for more on this).
www.moneysavingexpert.com/reclaim/visa-mastercard-chargeback/Debit & credit card chargeback: protection on faulty goods - MSE
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Aug 3, 2018 · Section 75 only kicks in for credit purchases of more than £100 (so £100.01+). It doesn't apply to anything you pay on a credit card costing less than that, nor does it apply to anything – bought at any price – on a debit card or charge card (as these aren't considered credit purchases).
Mar 21, 2023 · Section 75 of the Consumer Credit Act allows you to make a claim against your credit card company to get your money back. The price of the goods or services that you wish to claim for must have been between £100 and £30,000. Section 75 doesn't apply to debit cards, but you could use chargeback instead.
Apr 30, 2022 · Customers are covered under section 75 even if they only pay for part of a product or service via their credit card. For instance, if someone buys a dress and pays £100 by card and £500 in cash, they're covered for the full £600.
Jul 12, 2023 · Section 75 is an important UK consumer protection law, which comes under the Consumer Credit Act 1974 (CCA). It applies to items costing over £100 and less than £30,000 paid for on credit card and can typically be used when an item you've purchased hasn't arrived or it's broken or faulty.
Section 75 makes your card provider and the retailer or service provider ‘jointly and severally’ liable for any breach of contract or misrepresentation – providing the item or service cost between £100 and £30,000.
The goods or service you bought must have cost over £100 and not more than £30,000. However, to claim under Section 75 you don't have to have paid more than £100 or the full amount on your credit card – the card company is liable even if you made only part of the payment - perhaps a deposit - on your card.
If you use your credit card to buy something costing over £100 and up to £30,000, you’re covered by ‘section 75’ of the Consumer Credit Act. The protection still applies even if you only partly paid using your credit card, for example paying the deposit for a holiday.
