Credit card protection when paying with 2 cards

gwapenut

If I pay, say, a deposit with none card and the remaining balance with another card (both payments in the thousands of pounds), I presume I'm still "protected"?

But does this complicate any subsequent claim? Would I claim from the deposit taker, or both in proportion to the amounts spent? If the deposit taker, what if I split the deposit between two cards ...?

And what if, as a couple, we paid for a joint purchase using two different individual - not joint - credit cards?

Appreciate these are probably unusual questions, but would just like to understand the protection rules. You can imagine if a couple can get two 5% cashback cards each, then suddenly a £8k purchase which needs a 50% deposit will attract quite a lot of cashback.

And finally, if payment is partly by charge card (no protection) and partly by credit card, I presume the credit card still holds liability for the full amount.

dalesrider

Which ever card made the 1st payment. Would be who you would need to go to if there were any issues.

Even the chargecard may have protection via chargebacks. Which would be the 1st point of call anyway.

InsideInsurance

If you are talking about Section 75 protection and if both were credit cards then, as far as I know, both cards and the retailer would all be jointly and severably liable for the full amount.

Given in reality that one is a chargecard then just the credit card provider and the merchant would be under S75

gwapenut

Thanks guys. And is there any problem with two individuals paying for the goods, with their own individual credit cards? (The goods clearly being for the joint address at which both individuals live)

Gordon_the_Moron

If you pay a deposit on a credit card and the rest in cash/debit card the credit card provider is liable for the whole amount not just the deposit so I assume that if you pay with two different credit cards both are jointly and equally liable.

As for two individuals paying, not sure on this one, you could avoid the potential problem by one of you paying using their own plastic and the other paying their part in cash.

dalesrider

gwapenut wrote: »

Thanks guys. And is there any problem with two individuals paying for the goods, with their own individual credit cards? (The goods clearly being for the joint address at which both individuals live)

What is it you are buying?

If it is on 2 cards in diffrent names, then each will have to take it up with their own card provider. Although depending on who's name the actual purchase is in. One of the card providers may say that as the purchase was not in the name of the card holder they need to all go through the card that the purchase is in the name of.

Might be better to talk to your actual card provider how they will view your prospective purchase.

Section 75 is often the last option in dealing with issues.

InsideInsurance

You seem overly concerned about S75 protection, almost as if you believe there is something thats going to go wrong?

Be aware that banks do defend against S75 as much as the merchant will/ would, they are (in theory) just more financially stable so can afford to pay the claim if the merchant can't.


To be honest your questions are getting a little too theoretical, but if the item/ service is ordered in joint names, paid for in joint names and you can demonstrate that both parties receive "benefit" from the item/ service then there shouldnt be an issue as far as I know

gwapenut

Thanks everyone, it's for a kitchen for our house, don't believe anything will go wrong but buying from a smaller independent retailer so wanted to maximise any cashback while still being protected against them going bust between taking hefty deposit and finishing fitting the kitchen.

If the kitchen is ordered in joint names I don't see what's wrong with each paying 50% of deposit on individual cards, we'd clearly be contributing jointly to a joint purchase.

thenudeone

I suggest you ensure that both parties names are on the paperwork (quotes / estimates / receipts etc.)