Best & cheapest way to pay 4 holiday?

smallblueplanet

Hi, I'm looking to book a late package holiday soonish but wondered about how to minimise charges from paying a credit card. I've just read this:

NFH wrote: »

Cubegame's advice is very good, but not entirely accurate. To qualify for protection under Section 75 of the Consumer Credit Act 1974, only the total price of the goods or services must be between £100 and £30,000. The amount of transactions by individual payment methods is irrelevant. Therefore it is sufficient to pay only £1 on a credit card and the rest on a debit card.

How easy is it to do as I'd be able to pay by debit card and not get a credit card charge but worry about 'holiday security'.

What's the best/cheapest way to pay please?

mcfisco

If I use a TA, I always pay £100 by credit card and the rest cash/debit card.
NFH may well be right with his info about the amount you pay with the CC being pretty much irrelevant, I don't know
The £4 or so fee for using the CC for £100 is neither here nor there for me and it certainly gives me a bit more cover.

davidlizard

Are we missing something here.

I thought that if the value of the thing you purchased was greater than £100, then even if you put just a small amount of that on the credit card then the whole lot is covered.

From #4 in: http://www.moneysavingexpert.com/cards/credit-card-tips

Buy a £3,000 TV and pay just 10p on the credit card and, they'll hate us for telling you, the card company's liable for the whole £3,000.

Therefore is the solution, put the deposit or as little as you can get away with on the credit card to get the protection, and then pay the rest on debit card/cash or whatever has the lowest fees?