What is...

Card Protection

Credit Card Protection is a safety measure included on purchases you make using a credit card, which often lets you reclaim your funds if a product is faulty, undelivered, or mis-sold.

Under Section 75 of the Consumer Credit Act, purchases between £100 and £30,000 are covered by Card Protection. For qualifying purchases, your card issuer will take on the same level of liability as the retailer.

Before making a Card Protection claim, it’s usually best to contact the company you bought the product from initially, as payment disputes are often resolved quicker and more effectively by contacting the seller. They can also provide replacements, which your card issuer cannot.

There are some cases where the seller is unable to provide a refund. If it doesn’t respond to your complaint or has stopped trading, your next course of action should be to contact your card provider, which will be able to advise you about Card Protection specific to your circumstances.

You’ll need to confirm: the product you bought, the cost, receipts or invoices, the seller’s response, and your desired outcome. Your card issuer will then assess your situation to see whether reimbursement is appropriate.

Does Card Protection cover holiday bookings?

Card Protection covers both goods and services, including holidays, but only under certain circumstances. If the travel company goes bankrupt, leaving you unable to reach your destination, you should be able to claim the cost using Card Protection. Any unrelated costs, such as deciding to visit another location or extend your holiday won’t be valid reasons for claiming. It’s always best to check with your card issuer directly as they will be able to advise on your specific situation.

Is there a cost for Card Protection?

A credit card issuer must provide Card Protection for free under Section 75 of the Consumer Credit Act.

Does Section 75 Card Protection apply to Debit Cards?

Only credit cards are subject to the Card Protection outlined in Section 75 of the Consumer Credit Act, thereby excluding debit cards.

If you are considering applying for a credit card in the future, you’ll need to make sure that your Credit Report is in good shape to improve your chances of being accepted.

You can see everything a potential lender would with checkmyfile. Taking data from the three main Credit Reference Agencies, you can make sure that everything is correct with no missing pieces. It’s free for 30 days, then £14.99 a month which you can cancel at any time, online.

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