Purchase protection for second card holder

economiser

I caught a bit of an item on the BBC's Working Lunch which I think was saying that the purchase protection one gets when buying items over £100 only applied to the principal card holder.

To save me wading through the small print of the credit card conditions can anyone clarify the position?

Galstonian

I don't believe this is true but am going to have a look:

http://www.bbc.co.uk/newsa/n5ctrl/progs/business/working_lunch/working_lunch.ram

grumbler

which?extra:

Additional cardholders

There is disagreement about whether additional cardholders are covered by Section 75. In 2001 MBNA won a court case that found Section 75 doesn't apply to some purchases made by additional cardholders. In the judge's view, anything that an additional cardholder buys that's not for the main cardholder isn't covered by Section 75. We don't agree and neither does the OFT.

Galstonian

It starts at 50 minutes in the above clip, apparently card issuers will deal with this on a case by case basis but grumbler and which? are correct, protection is not automatically offered under the CCA.

I am going to seek written confirmation for the cards my wife and I use for purchases.

economiser

I think I will make sure Mrs. Economiser gets a card in her own name. No point in taking any chances.