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Section 75: here's what you need to know
Your credit card purchases might be covered if something goes wrong. Here we explain why, how it works and what you need to know.
When can I claim under Section 75?
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It applies when the total price of the goods or services is over £100 but not more than £30,000 and all or part of the purchase price was made using a credit card.
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Whether it's using your credit card for a deposit on a new kitchen or a new car, you may have Section 75 rights even if the part payment is £100 or less, if the total value of the item or service is over £100 but not more than £30,000.
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You can claim if you were using your credit card on holiday or buying from abroad. The over £100 but not more than £30,000 value rule still applies.
A summary on Section 75
- Always try to resolve the issue with your retailer or supplier in the first instance.
- The item or service you buy must be over £100 or under £30,000 to make a claim.
- In most cases, if you pay for goods or services where you used your credit card to fund an account with a third-party provider, Section 75 doesn't apply.
- A Section 75 claim can be for the total cost of your item even if you use your credit card for part payment where the cost is £100 or less.
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Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.