News1 min ago
using a visa card
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Have booked a hoiday and payed the deposit by visa debit card, if i now pay off a part of the bill (say �200) using my credit card, and then pay the rest of the bill with the debit card, is the whole amount protected as if i just used the credit card?
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You will be covered for the full amount under s.75 of the Consumer Credit Act.
Section 75 of the Consumer Credit Act 1974 (Section 75) provides you with a valuable legal right when you buy goods or services on a credit card. If you buy something costing between �100 and �30,000 on a credit card (but not a debit card), you can claim against your card issuer if something goes wrong. What's more, even if you've only paid a deposit of, say, �1 on your credit card, you can claim a refund of the entire cost of the goods.
So, if goods are damaged, faulty or don't turn up, or the supplier goes bust, your card issuer wears the supplier's shoes and must make good your loss (under what's known as a debtor-creditor-supplier arrangement or connected lender liability).
Section 75 of the Consumer Credit Act 1974 (Section 75) provides you with a valuable legal right when you buy goods or services on a credit card. If you buy something costing between �100 and �30,000 on a credit card (but not a debit card), you can claim against your card issuer if something goes wrong. What's more, even if you've only paid a deposit of, say, �1 on your credit card, you can claim a refund of the entire cost of the goods.
So, if goods are damaged, faulty or don't turn up, or the supplier goes bust, your card issuer wears the supplier's shoes and must make good your loss (under what's known as a debtor-creditor-supplier arrangement or connected lender liability).
The cash price of the goods or services must be between �100 and �30,000.
However, even if you pay only �1 (well, in theory but rather impractically, one penny) on a credit card then the entire purchase is covered by Section 75 of the Consumer Credit Act. This makes the credit card provider jointly liable with the supplier if there is a failure to deliver.
This is particularly useful for purchases such as holidays where the provider usually makes a charge for using a credit card. Simply pay a small amount on the card and the rest by debit card, cheque or whatever does not incur additional charges, and you're covered!
However, even if you pay only �1 (well, in theory but rather impractically, one penny) on a credit card then the entire purchase is covered by Section 75 of the Consumer Credit Act. This makes the credit card provider jointly liable with the supplier if there is a failure to deliver.
This is particularly useful for purchases such as holidays where the provider usually makes a charge for using a credit card. Simply pay a small amount on the card and the rest by debit card, cheque or whatever does not incur additional charges, and you're covered!
Found this for you:
However, 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. And this part-payment can be as little as �1 (but no more than �25,000).
http://www.which.co.uk/advice/your-rights-when -paying-by-credit-card/your-rights/index.jsp
However, 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. And this part-payment can be as little as �1 (but no more than �25,000).
http://www.which.co.uk/advice/your-rights-when -paying-by-credit-card/your-rights/index.jsp
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