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Premieres 21 October 2026 at 10pm UK time
The Old Fox's Penny Tips · Episode 1
Section 75: Which Card Protects a Big Purchase?
Pay any part of a £100–£30,000 item on a credit card and the card company may be equally liable if things go wrong. General information, not financial advice.
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What the fox said
Spending over £100? The card you pay with could decide whether you ever see that money again.
It's called Section 75, of the Consumer Credit Act.
Pay any part of the price on a credit card, and the card company can be held equally responsible with the seller if things go wrong.
That covers a single item costing more than £100, and no more than £30,000.
And here's the clever part. Even if only the deposit went on the card, you may be able to claim for the whole price.
Seller gone bust? Goods never turned up? Write to your card company and ask to make a Section 75 claim.
Mind the catches. Pay through a middleman and it usually won't apply. Debit cards only have a weaker cousin, called chargeback.
And clear the card in full, so interest doesn't eat what you've protected. Keep your nose to the wind.
General information, not financial advice. Check your own situation.
Sources
- Section 75 of the Consumer Credit Act 1974 can make a credit card provider equally liable with the seller when something goes wrong with a purchase of a single item costing more than £100 and no more than £30,000, even if only part of the cost was paid on the card (Citizens Advice, 'Getting your money back if you paid by card or PayPal'; Which?, 'Section 75 of the Consumer Credit Act').
- Section 75 usually doesn't apply if you paid through a third party rather than directly to the trader; debit card payments may be covered by the voluntary chargeback scheme instead (Citizens Advice).
- If your card provider rejects a claim, you can ask the Financial Ombudsman Service to look at it (Citizens Advice).
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