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31 December 2025 23:59
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Free Protection on Your Purchases – Automatically!
Did you know your credit card could be your secret financial safety net? Thanks to a little-known law – Section 75 of the Consumer Credit Act – anything you buy over £100 with a credit card is automatically protected. That means if something goes wrong with your purchase or the company goes bust, you could get your money back, at no extra cost.
While Section 75 doesn’t apply to debit cards or purchases under £100, there’s still a backup option: Chargeback. This isn’t a legal right, but a helpful scheme run by banks and card providers that can still help you recover your money in certain situations. You can read more about how Section 75 and Chargeback work, and how to claim, in our in-depth guides.
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