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If the item or service you've bought was under £100, you may still be covered by chargeback.Ĭhargeback is not enshrined in law like Section 75, but it is part of what is known as Scheme Rules, which participating banks subscribe to.

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So if your claim is for a repair then this is the claim you would put to your credit card provider - you wouldn't be able to also ask for a refund, for instance, if you were actually claiming for a repair or a replacement item. You have the same rights against your credit card company as you have against the retailer or trader. It's the value of the goods you're buying that is key - not the amount paid on the card.įor example, if you ordered a new car from a car dealer and paid a £500 deposit with your credit card and the balance of £10,000 by cheque, you would be covered for the whole £10,500 if the dealer went out of business and you didn't receive your car. You don't have to have paid the full amount on your credit card – the card company is liable even if you made only part of the payment (a deposit, say) on your card. To claim under Section 75 of the Consumer Credit Act, the item or service you bought must have cost over £100 and not more than £30,000. There are some limitations to when a card company is liable along with the retailer or trader. Start your claim Only deposit paid on credit card If you bought something with your card and things went wrong, you can make a claim.

Mastercard credit card numbers that work 2015