Section 75 and chargebacks

Understanding Section 75 and Chargebacks

When something goes wrong with a purchase, you may be able to get your money back. Two common types of protection are Section 75 (for credit card payments) and chargebacks (usually for debit cards). They work differently, so it’s important to know which applies to your situation.

Section 75 – Credit Card Protection

Section 75 is part of the UK Consumer Credit Act 1974. It gives strong legal protection when you use a credit card to buy something.

What Section 75 covers

If you buy something costing over £100 and up to £30,000, the credit card provider is equally responsible with the retailer. This means you can ask your credit card company for help if the goods or services are faulty, not as described, the retailer won’t help, or the business has closed down.

You don’t need to pay the full price on your credit card. Even a small amount paid on the card may give you Section 75 protection.

Who can make a claim

Only the person named on the credit card account can make a Section 75 claim. Extra cardholders can use the card, but they normally cannot claim in their own name.

When Section 75 might not apply

Section 75 only works when there is a direct link between three parties:

the buyer, the credit card provider and the retailer.

If anything breaks this link – for example, buying through a third party marketplace or travel agent acting as an intermediary – the protection may not apply. Section 75 also usually doesn’t cover cards issued outside the UK.

If you’re unsure, contact your credit card provider. They can confirm whether your situation qualifies.

Chargebacks- Debit Card Protection

A chargeback is different from Section 75. It is not a legal right, but most banks offer it under Visa, Mastercard or similar card scheme rules.

When a chargeback can help

You can ask your bank to try to recover money through a chargeback if you didn’t receive what you paid for, the goods or services were faulty, the retailer won’t resolve the problem, or you were charged by mistake.

Chargebacks can be used for debit cards, prepaid cards and sometimes credit card payments.

Check the time limits

Chargebacks must be made within strict deadlines set by the card schemes. These vary depending on the type of card and the circumstances. Because of this, you should contact your bank as soon as possible if you think you need to make a claim.