Pay Your Way
Knowing your rights to credit card protection under section 75 - even if the card companies don't.
Banks and credit card companies are giving consumers the wrong information about their rights to credit card protection.

If you pay for something costing between £100 and £30,000 by credit card you get valuable protection under ‘section 75’ of the Consumer Credit Act. In broad terms it means you may be able to get your money back if there’s a problem with the goods or services you’ve ordered or the company fails. But a report by the Financial Ombudsman Service shows that credit card companies are giving people wrong information and fobbing off their complaints. So what’s true and what’s a myth?

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01-05-2012
15-11-2014
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Understanding your credit card rights under Section 75
You get great consumer protection if you pay for something using your credit card, but the rules aren’t completely cut and dried.

There's lots of confusion about how you're protected if you pay by credit card. I've written about the basics in your rights when paying by credit card. Many of us know that if you pay for something using your credit card, and it costs between £100 and £30,000, you can claim against the credit card company if there’s a problem or the goods don’t arrive. But while the principle is straightforward, the rules can be complicated.

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03-02-2012
15-11-2014
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How to get the best 0% balance transfer credit card; saving money on credit cards
If you need to transfer your credit card balance, which are the best 0% balance transfer deals?

If you owe money on your credit card and know you won't be able to clear it in a few months, you could consider a 0% balance transfer deal. There are some competitive 0% balance transfer credit card deals around at the moment but some have minimum salary levels and most expect you to have a good credit history.

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03-10-2012
16-09-2014
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The material provided on this website is general information that is intended for general guidance and is not suitable for professional advice.
You should always obtain independent financial advice.