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  • FIRST POST
    • fivebobeach
    • By fivebobeach 7th Oct 16, 4:35 PM
    • 42Posts
    • 17Thanks
    fivebobeach
    Amex Preferred Rewards Gold
    • #1
    • 7th Oct 16, 4:35 PM
    Amex Preferred Rewards Gold 7th Oct 16 at 4:35 PM
    Not sure if this has been posted elsewhere, but I wonder if someone more learned than me could clarify.


    I have had the MBNA Diamond Club Amex & Visa for years, but MBNA are closing it down at the end of November and offering a standard MBNA Credit Card as replacement. I used the Diamond cards to collect Avios, but in a correspondence from MBNA this morning no rewards have been mentioned for the replacement.


    That being the case I am going to cancel the MBNA cards, and I have just taken out the Amex Preferred Rewards Gold card for the Avios rewards.


    My question is. I recently benefitted from MBNA when the Credit Card "Section 75" rule paid me back when Low Cost Holidays went bust. I intend to use my new Amex Gold for all my spending now, but as Amex Gold is a CHARGE CARD and not a CREDIT CARD, can someone tell me if Section 75 applies to that card also?


    Many thanks
Page 1
    • Candyapple
    • By Candyapple 7th Oct 16, 6:52 PM
    • 1,479 Posts
    • 1,174 Thanks
    Candyapple
    • #2
    • 7th Oct 16, 6:52 PM
    • #2
    • 7th Oct 16, 6:52 PM
    Charge cards aren’t covered by Section 75 of the Consumer Credit Act.

    http://www.moneysupermarket.com/c/news/what-is-the-difference-between-a-charge-card-and-a-credit-card/0017265/
    • Roger1
    • By Roger1 8th Oct 16, 9:45 AM
    • 1,223 Posts
    • 546 Thanks
    Roger1
    • #3
    • 8th Oct 16, 9:45 AM
    • #3
    • 8th Oct 16, 9:45 AM
    AmEx offer chargeback on their chargecards.

    https://www.theguardian.com/money/2012/jan/20/section-75-chargeback
    • bigadaj
    • By bigadaj 8th Oct 16, 11:11 AM
    • 7,867 Posts
    • 4,797 Thanks
    bigadaj
    • #4
    • 8th Oct 16, 11:11 AM
    • #4
    • 8th Oct 16, 11:11 AM
    Originally posted by Roger1
    Yes but it's only a voluntary scheme, section 75 is legally enforceable.
    • Roger1
    • By Roger1 9th Oct 16, 10:46 AM
    • 1,223 Posts
    • 546 Thanks
    Roger1
    • #5
    • 9th Oct 16, 10:46 AM
    • #5
    • 9th Oct 16, 10:46 AM
    Yes but it's only a voluntary scheme, section 75 is legally enforceable.
    Originally posted by bigadaj
    There is little practical difference, of course, unless you can provide details of where AmEx have not delivered.
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