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Credit card protection.

Community Veteran
Posts: 7,929
Thanks: 604
Fixes: 8
Registered: 02-08-2007

Credit card protection.

If an item costs £500 and you pay £100 by credit card and the rest in cash then the whole sum is protected but does anyone know if this still applies in the following situation,
A Holiday costs £500 and you pay a deposit of £80 by credit card. When time arrives for the rest to be paid you pay a further £40 by credit card and the rest in cash (the rest in cash because the travel agent charges 4% on credit card transactions) because you have paid a total sum by credit card of over £100 are you still protected of does the payment have to be made as a single payment for card protection ?
Does anyone know where I can get the answer to this from other than the card company who fail to respond to the question.
4 REPLIES
Community Veteran
Posts: 3,826
Thanks: 44
Fixes: 1
Registered: 24-09-2008

Re: Credit card protection.

itsme
Grafter
Posts: 5,924
Thanks: 1
Registered: 07-04-2007

Re: Credit card protection.

Yes you are covered and a BBC reporter was givening out the wrong information last week on a One show item.
quote from the which link above.
Quote
There are some limitations to when a card company is liable along with the retailer or trader. The item or service you bought must have cost over £100 and not more than £30,000.
However, you don't have to have paid the full amount on your credit card – the card company is liable even if you made only part of the payment (a deposit, say) on your card.
Community Veteran
Posts: 7,929
Thanks: 604
Fixes: 8
Registered: 02-08-2007

Re: Credit card protection.

Quote from: journeys
Start with
http://www.which.co.uk/consumer-rights/sale-of-goods/your-rights-when-paying-by-credit-card/consumer...
or
http://www.oft.gov.uk/about-the-oft/legal-powers/legal/cca/
or
Call the Citizens Advice consumer helpline on 08454 04 05 06.

Thanks for the links, as I read it if you pay any level of deposit and Providing the total cost of the item is more than £100 you are covered, unless anyone else reading this puts a different interpretation on it.
Community Veteran
Posts: 18,552
Thanks: 195
Registered: 12-08-2007

Re: Credit card protection.

@gleneagles, yes you are right.  Any deposit however small it may be and you are covered.