Section 75 — Consumer Credit Act 1974
Your credit card provider is jointly liable with the retailer for breaches of contract or misrepresentation on purchases £100–£30,000.
What's Covered
✅ Items not delivered
✅ Faulty goods
✅ Company goes bust
✅ Misrepresentation
✅ Breach of contract
✅ Online purchases
✅ Deposits (if total £100+)
What's NOT Covered
❌ Debit card purchases
❌ Under £100 or over £30,000
❌ Cash withdrawals
❌ Charge card (Amex)
❌ Items bought through PayPal (usually)
Time Limit
6 years from date of purchase
Chargeback vs Section 75
Chargeback: 120 days, debit cards, voluntary
Section 75: 6 years, credit cards, legal right