Should I pay for a holiday by credit card or debit card?

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I have to pay the balance on a holiday this week. The company will charge 2% for payment on a cc and as I have the money in the bank it would make more sense to pay it by debit card.

Is there more protection in paying for it by cc though? i.e. if the company or airline went bust? Is it worth the 2% etc (its about £9000 to pay so 2% is a considerable sum)

Comments

  • Fruit_and_Nut_Case
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    Can you split the payment? £100 by credit card and the rest by debit card. Others will correct me if I'm wrong but I think that will make the CC company liable under section 75.
    Are you for real? - Glass Half Empty??
    :coffee:
  • CLAPTON
    CLAPTON Posts: 41,865 Forumite
    Combo Breaker First Post
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    how was the deposit paid?
  • jd87
    jd87 Posts: 2,345 Forumite
    Name Dropper First Post First Anniversary Combo Breaker
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    £180 fee, but it will give you section 75 protection.

    You only need to part pay by credit card to get section 75 protection on the full cost of the good/service. I think you need to pay a minimum of £100. Can you ask if you can pay £100 by credit card, and then the rest by debit card?
  • Comyface
    Comyface Posts: 669 Forumite
    First Anniversary First Post Combo Breaker
    edited 10 January 2011 at 9:41PM
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    AKAIK, you still get the section 75 protection if you pay any part of the holiday with the credit card. So did you pay the deposit using the credit card? In which case, you can pay the rest with your debit card safe in the knowledge the whole amount is still protected. Or just pay a portion (say £100?) with the credit card now and the rest with the debit card.

    Hope you have a lovely holiday and this is all academic! :)

    ETA: Great minds think alike!
    Are the words 'I have a cunning plan' marching with ill-deserved confidence in the direction of this conversation? :cool:
  • pauljoecoe
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    I paid deposit by debit card. I guess I could pay some by cc I wouldn't have thought it would be a problem. i don't know if I'm being a little over concerned though. They are ATOL protected which covers the flights which is the bulk of the cost.
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