Pay Credit Card with Debit CardCredit card payment with debit card
Here is how it works and how to make a claim. What is it? When you buy something with your credit card, such as goods or a public holiday that costs over 100 and up to 30,000 pounds, you fall under Section 75 of the Consumer Credit Act. That means that the credit card issuer has the same responsibilities (or "liability") as the vendor if there is a issue with the things you purchased or the business from which you purchased them is failing.
For example, a vendor of softwares says that a piece of softwares you buy will work with a particular computer if it doesn't. In order to obtain Section 75 cover you must pay between £100 and £30,000. £100 per article or per pack of articles you purchase, as distinct from the full invoice.
If, for example, you buy a gown and coat that are not part of a wetsuit, each of which costs less than 100, you are not entitled to protect consumers under Section 75. It is possible that you may be able to make a complaint against your credit card issuer under a volunteer system named a " charged back ", which we describe in the " charged back " section below.
There is no need to pay the full amount by credit card as a down payment is sufficient to provide your redress. E.g. if you purchased something that costs 200 but payed a deposit of 20 pounds on your credit card and the remainder by other means, you would still be covered and you would be able to assert the whole 200 pound (and not just the deposit) from your credit card firm if the goods did not arrive on time or were incorrect.
You are not restricted to the bar value of the objects either. You have a similar right against the credit card issuer if you could recover extra costs (e.g. postage) or subsequent damages (e.g. damages due to a defective item) from the vendor. Every complaint must be submitted by the principal card holder as he has already subscribed to the credit contract, and the credit card issuer can refuse a complaint if it is not a common sale (e.g. parental leave_ or something for the principal card holder (e.g. a birth anniversary present).
It is a small gray area, so it is worth contacting the card publisher from the beginning. Whether you buy something with your card in the UK or abroad doesn't make a difference, you're insured as well. You may be entitled to a refund if you have taken a vacation or a flight that costs between 100 and 30,000 and have either deposited a down payment or fully charged on your credit card, if the carrier or tour operator goes bankrupt or the vacation is not as described.
If in some cases you purchase a "flight only" from a third person, such as a tour operator, you may not be able to make a complaint because the third person was only charged with providing the ticket and not the air. All expenses that you have not incurred - for example, if you have chosen to prolong your trip after the carrier goes bankrupt (longer than necessary), you are unlikely to be able to charge any additional for it.
When you pay for something on your credit card and there is a situation, your first move should be to go to the firm you purchased it from to give them a way to sort things out. Send a letter to the credit card firm specifying what you purchased, where and when you purchased it and how much you made.
Let them know that you tried to get in touch with the firm from which you purchased the goods or service and what the answer was - if any. Describe what the credit card firm should do, which will usually be a reimbursement of the amount to your credit card bank card bank card balance - be sure to state this:
"I' m complaining about a demand under section 75 of the Consumer Credit Act." Payment and purchase of debit card are not subject to § 75 of the Consumer Credit Act. However, you may be able to make a right to a reimbursement under a volunteer system namedargeback. It can provide you with coverage for any value purchase on debit, credit or pre-paid card.
But if your buy was over 100 and was made by credit card, you are better off going to section 75 as this provides better redress. Charging back is not judicial redress like section 75. This system allows you to request a reimbursement from your card issuer if a sale does not go through or is incorrect.
This works through the card issuer who tries to reclaim your funds from the firm you payed by undoing the deal. There is usually no requirement for at least the expenditure to be recovered by chargebacks, but there are deadlines for making a complaint - usually up to 45 or 120 working days from the date of sale, according to the card used.
Reversal requests may take some amount of getting, as the card issuer must get the refund before it can give it to you. And if you're not happy with your card company's answer, please see our guidelines below to review the next step.