Section 75: the bodyguard in your wallet
Lesson 6 of 12 in our free Credit Cards: Tool, Not Trap guide: a 5-minute money game with the key points below.
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Questions you'll answer
Mo's debit card paid for a £150 coat that fell apart and the seller won't help. What can he ask his bank for?
Quick facts
- A £400 sofa paid on a credit card that never arrives → Covered. Single item between £100 and £30,000, on a credit card.
- A £250 laptop paid on a debit card → Not covered. Section 75 is for credit cards. Debit cards have chargeback instead.
- A £1,000 holiday where only the £200 deposit went on a credit card → Covered. Even part-payment on the card can cover the whole item.
- A £60 jacket paid on a credit card → Not covered. The item has to cost over £100. Chargeback might still help.
- A car costing £35,000, with the deposit on a credit card → Not covered. The item price is over the £30,000 upper limit.
- Fact: “Chargeback is a card-scheme rule, not a law, and it has time limits.” — So ask your bank quickly. There's no legal minimum or maximum amount.
- Myth: “Section 75 only works if the whole price went on the credit card.” — Part-payment on the card can cover the whole item, as long as it's in the price range.
- Fact: “Under Section 75, the card provider can be held responsible alongside the seller.” — That's 'joint liability'. If the seller won't fix it, the card provider can be asked to.