UK Credit Cards
Section 75 Credit Card Protection UK: How It Works and How to Claim
On purchases of 100 to 30,000 pounds, the card issuer is jointly liable with the retailer. Most people never use it.
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- Cover range
- 100-30,000 pounds per item
- Applies to
- Credit cards, not debit
- Liability
- Joint with the retailer
- Time limit
- Six years in England and Wales
What Section 75 covers
Breach of contract and misrepresentation - goods that never arrived, were faulty, or were not as described. The issuer is as liable as the retailer.
It is free and it is statutory
No registration, no fee, no insurer. You claim against the card issuer directly, and they cannot push you back to a retailer that has vanished.
The claim process
Write to the issuer with the order, the statement line and what went wrong, and state that you are claiming under Section 75. Escalate to the Financial Ombudsman if refused.
Where it does not apply
Debit cards, PayPal-funded purchases in some cases, items under 100 pounds, above 30,000, and anything bought through an agent rather than directly.
FAQ
Does it apply to debit cards?▾
No - that is chargeback, which is a scheme rule, not statute.
Is there a time limit?▾
Six years in England and Wales, five in Scotland.
Can the issuer refuse?▾
Only on eligibility grounds, and you can escalate.
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