Section 75 of the Consumer Credit Act: Who Qualifies and What You Get
Learn how to hold your credit card provider responsible if a retailer fails to deliver goods or services as promised.
Section 75 is a legal protection that makes your credit card provider responsible for breaches of contract by a retailer.
Who it's for
This protection is available to anyone who uses a credit card to pay for goods or services costing between £100 and £30,000.
What you get
If a retailer fails to deliver what you paid for or the item is faulty, your credit card provider becomes legally responsible alongside the seller. This means you can claim a refund or compensation directly from your bank or card issuer.
What it costs you
There is no cost to use this protection; it is a statutory right provided by law.
The catch to know
This protection only applies to purchases made with a credit card. It does not cover purchases made with a debit card or through payment services like PayPal.
How to apply
- Contact the retailer first to try and resolve the issue.
- If the retailer cannot help, contact your credit card provider.
- Provide evidence of the purchase and the problem you are facing.
- Follow your bank's specific process for filing a claim.