Using debit card to buy kitchen units

mikegahan

Dear Friends

I am thinking of buying some kitchen units using my debit card. What sort of legal protection do I get with this method? I am aware of the rights using a credit card but not debit cards. Many thnaks

ormus

none.
use a CC.

pink_princess

Its not credit therefore doesn t count ,use a cc and then pay it off when the bill arrives.

nickj_2

pay a deposit with the credit card and you will have legal protection if the company goes bust

McKneff

credit card every time, even if you just pay a deposit the whold amount is covered. If you havent got a credit card look for a cash back one.

Steve_xx

ormus wrote: »

none.
use a CC.

You are incorrect. There is a chargeback scheme available to holders of Visa Debit Cards. You can read about it here:

http://www.which.co.uk/advice/your-rights-when-paying-by-credit-card/chargeback-on-credit-and-visa-debit-cards/index.jsp

McKneff

Steve_xx wrote: »

You are incorrect. There is a chargeback scheme available to holders of Visa Debit Cards. You can read about it here:

http://www.which.co.uk/advice/your-rights-when-paying-by-credit-card/chargeback-on-credit-and-visa-debit-cards/index.jsp

there is a charge back but it is very iffy and not anyway near as much of a safeguard as a credit card

Steve_xx

anniehanlon wrote: »

there is a charge back but it is very iffy and not anyway near as much of a safeguard as a credit card

The Credit Card is not as safe as you may believe, ie you will not be protected on spends of less than £100. Whereas with the chargeback scheme there is no such limitation.