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Protection of paying by credit card

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By (user no longer on site) OP   
over a year ago

I want to buy something online that seems a bit too good to be true.

I don't actually own a credit card at the moment (I haven't really seen the need in a while), but happily get one again if it means securing said bargain.

I'm no expert in these matters, but how long am I protected for on my purchase through a credit card? Does it vary? I only need a year or so I reckon.

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By (user no longer on site)
over a year ago

The intrigue!! Now I want to know what it is

I think protection times depend on the card you get, unless the UK has a consumer protection law. I still use my US credit card for everything because it's fucking awesome so I don't know the UK rules too well. Sorry.

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By (user no longer on site)
over a year ago

You won't be covered by your credit card if the item turned out to be faulty, you'd need to look into the sale of goods act and your rights as a consumer. It will have to be of merchantable quality for a reasonable amount of time (ie a car would be 6 months) where the retailer would be liable for any problems. After that, issues can be down to wear and tear.

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By *erbyDalesCplCouple
over a year ago

Derbyshire

What sort of protection are you after? Protection against it not turning up, or a warranty-type thing (Like Mr Bean with his Barclaycard)?

Mr ddc

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By (user no longer on site) OP   
over a year ago

I have conferred with my lawyer ans she seems to think I'll be ok.

Basically, I want to buy an online service but it seems too cheap to trustworthy.

A credit card should do the trick though.

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By *iewMan
Forum Mod
over a year ago

Angus & Findhorn

Under section 75 of the CCA even if you just pay the deposit of a holiday, new suite etc and the company go bust, the whole cost of the item is covered. I always pay by credit card for everything for that protection.

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By (user no longer on site) OP   
over a year ago

[Removed by poster at 05/10/16 01:37:24]

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By (user no longer on site) OP   
over a year ago


"Under section 75 of the CCA even if you just pay the deposit of a holiday, new suite etc and the company go bust, the whole cost of the item is covered. I always pay by credit card for everything for that protection."

Thank you - just what I was looking for.

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By (user no longer on site)
over a year ago


"Under section 75 of the CCA even if you just pay the deposit of a holiday, new suite etc and the company go bust, the whole cost of the item is covered. I always pay by credit card for everything for that protection.

Thank you - just what I was looking for. "

I think even if you only pay a pound for it you would be covered, as the credit provider has given you credit for something that you don't receive. It won't however cover you if the holiday is wank.

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By *ophieslutTV/TS
over a year ago

Central

I agree that the consumer credit act, as noted above, provides excellent protection, equally from the retailer and credit card for UK cardholders. As said, part payment gives cover. Sale of goods act etc provide additional cover.

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By (user no longer on site)
over a year ago


"The intrigue!! Now I want to know what it is

I think protection times depend on the card you get, unless the UK has a consumer protection law. I still use my US credit card for everything because it's fucking awesome so I don't know the UK rules too well. Sorry."

Does it get weird with exchange rates though?

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By *eedsandyMan
over a year ago

Leeds

The value of the item has to between £100 and £30,000.00. Therefore if you buy 2 items at the same time from the supplier which are each worth £50, then even though you have paid a total of £100, you will not be covered.

The Sale of Goods Act is not additional protection as someone has said. It was replaced last year by the Consumer Rights Act.

You do not have an automatic claim against the credit card company. You have the same claim against them as the retailer/supplier.

You still have to prove that there was problem with the good or the service etc.

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

I only buy things online with a CC for the peace of mind, or even paying a deposit for a bigger purchase. They can be paid off in full every month if people don't like using a CC

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo


"The intrigue!! Now I want to know what it is

I think protection times depend on the card you get, unless the UK has a consumer protection law. I still use my US credit card for everything because it's fucking awesome so I don't know the UK rules too well. Sorry.

Does it get weird with exchange rates though?"

My card charges a fee if you buy something on a different currency, sometimes it bumps the purchase up way too much.

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By *eedsandyMan
over a year ago

Leeds

That is irrelevant to the poster's original question. He asked about consumer protection, not charges for purchases made in foreign currenices.

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

It is relevant to the post I quoted though, ie talking about using CC to purchase in a different country

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By (user no longer on site)
over a year ago


"The intrigue!! Now I want to know what it is

I think protection times depend on the card you get, unless the UK has a consumer protection law. I still use my US credit card for everything because it's fucking awesome so I don't know the UK rules too well. Sorry.

Does it get weird with exchange rates though?

My card charges a fee if you buy something on a different currency, sometimes it bumps the purchase up way too much."

My card doesn't have a foreign currency transaction fee. I also get a really good rate on money back (a certain percentage). But it can often be irrelevant as I don't usually buy things in ££ using my credit card. Holidays, for example, can be bought in any currency.

It can be tricky to balance, but my card is awesome

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

I think I need to change cards the next time I want to buy something abroad

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By *ophieslutTV/TS
over a year ago

Central

Moneysavingexpert does a good over_iew of which cards offer the lowest fees and best exchange rates when purchasing abroad.

A second section on that website also explains the protection that you can get by using UK credit cards for making purchases and paying deposits for things via your card.

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By *eedsandyMan
over a year ago

Leeds

I have already explained the protection that you get in this thread.

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

Other people can comment too Leeds

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

Thanks Sophie will have a look

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By (user no longer on site)
over a year ago

I have no idea I use PayPal for pretty much everything these days

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By *eedsandyMan
over a year ago

Leeds

Paypal does not protect you like a credit card does.

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By *unandbuckCouple
over a year ago

Sheffield


"I have already explained the protection that you get in this thread."

No more posts please, _eedsandy has said everything anybody might need.

Any other experience or opinion not needed , thanks.

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