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Free protection for all shopping!
There’s a lesser-known law that can transform any credit card into a powerful financial safeguard. Under ‘Section 75‘ of the Consumer Credit Act, your credit card automatically protects any purchase over £100 at no extra cost. This means that if something goes wrong or the company goes out of business, you’re entitled to get your money back.
While Section 75 doesn’t cover debit cards, there’s another option if you’ve used a debit card or made a credit card purchase below £100. This is called Chargeback, which is governed by the internal policies of banks and card companies, though it’s not legally mandated. For a detailed explanation of Section 75 or Chargeback and how to file a claim, see our guides.