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Section 75 (UK Credit Card Protection) — What It Means & How to Use It

📖 What It Means

Section 75 of the UK Consumer Credit Act 1974 makes your credit card provider jointly liable with the retailer for purchases between £100 and £30,000. This means if a company refuses a refund, you can claim directly from your credit card company. It's one of the strongest consumer protections in the world.

✅ Key Points

1Covers purchases between £100 and £30,000 paid by credit card
2Credit card company is jointly liable with the merchant
3No time limit for claims (unlike chargebacks)
4Applies even if you only paid a deposit by credit card
5Does not apply to debit cards — use chargeback instead

💡 How to Use This

For UK purchases over £100 on a credit card, Section 75 is more powerful than a chargeback. There's no time limit, and the credit card company must investigate your claim.

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⚖️ Legal Citation

Consumer Credit Act 1974, Section 75

Use this citation in your dispute letters for legal weight.

🔗 Related Terms

Credit Card Chargeback

A reversal of a credit card transaction initiated by the cardholder through their bank.

UK Consumer Rights Act 2015

UK law establishing rights to quality goods, satisfactory services, and fair contracts.

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