The cover you get by using a credit card

samat2001

Hi guys

I understand that by purchasing using a credit card, you are covered in case anything goes wrong and the store refuse to take it back (or something along those lines). Does this still apply if you buy something abroad? (Over the internet)

RT7

Can I also ask what cover you have if an item you buy gets stolen/broken?

King_Of_Fools

The added cover you get from purchasing with a credit card comes from the Consumer Credit Act. This states that the credit company has joint liability with the retailer in delivery of goods, as purchased, over £50.

The most obvious use of this is where you purchase something from a store that goes out of business before the goods are delivered (c.f. lots of furniture stores that have recently been in this situation). In these cases you can claim a refund from the credit company.

Credit cards do not (as standard) give any extra protection such as insurance for loss or theft, extra warranty, etc. although some cards do offer these benefits on an individual basis.

Kendy47

In Feb 2007, I bought a car rally/driving day for a 40th present for £280 via the internet. This was to be used within 1 year and I received a voucher for the purchase to give to the recipient. The recipient has now discovered that the company has stopped trading via a notice on their website.

I used a Nationwide Visa credit card for the purchase so I wrote to them but they have initially come back and said that as I received a voucher, in effect I have received my goods and they are not going to refund me.

Does anyone knows the rules regarding vouchers, and also for a voucher for an activity like this where the date of the use is open-ended? It seems a different situation compared to gift vouchers or a flight ticket.

Thanks.