New Purchase: Credit Card or Cash?

mrplatypus

I need to purchase a new boiler for my home.
The cost of the boiler is £500 and £500 to have it fitted, total spend £1000.

My query is: should I use cash or should I use a credit card to pay for the goods and services?

I have two credit cards: Virgin Money and a Barclaycard.
I have spoken with the customer services team of both and both say that they do not offer payment protection on their respective cards.

Where would I legally stand if I used the credit card then paid it off in full?

Thanks for your assistance, I look forward to reading replies.

Regards

mrPlatypus

jonesMUFCforever

Pay by credit card.
I do not understand the answer to what you asked of your credit card lender but it does seem wrong to me.

Say you pay cash to your plumber - he/they go bust - you are left with no cover (other than manufacturer) if anything goes wrong with the boiler.
Pay by credit card - if it fails the credit card lender is jointly liable.

lisyloo

"paymen protection" can mean different things to different people.
Section 75 protection is the LAW and no lender can change this. If the good are not delivered or the company goes bust you are covered.

However to many people "payment protection" means you might be covered if your goods were lost/stolen or you payments would be covered if you were sick or redundant.
These things are not law and are optional.

So you need to be clear when talking to staff in call centers who are often not well trained.
Section 75 is standard and the law.
It covers non-delivery and your statutory rights.
So well worth paying on a card.

mrplatypus

Thank you so much for the advice - I will pay by card;

Is there anything on this site/forum that explains Section 75 Protection?

Sorry: found the link via google search ..