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Newbie to Credit Card - £100 spending S.75
ItMatters
Posts: 2 Newbie
in Credit cards
Hi I have never used or applied for a credit card before so I'm hoping someone can shed a bit of light on my confusion :j
I am thinking of purchasing a new sofa using a credit card because of the protection it offers should anything go wrong. I have read that you are protected under Section75 for purchases on a single item over £100.
My confusion is...Do I have to use the card to make a deposit of over £100, or is it just the item that needs to be over £100 and I could use the card to make a deposit of say £90 but then would still be covered if anything goes wrong? I hope I am making sense :cool:.
Oh and could I claim if I am not happy with the sofa eg the fillings are awful etc but the company's guarantee wouldn't cover that or they refuse to help with it?
Thanks in advance!
I am thinking of purchasing a new sofa using a credit card because of the protection it offers should anything go wrong. I have read that you are protected under Section75 for purchases on a single item over £100.
My confusion is...Do I have to use the card to make a deposit of over £100, or is it just the item that needs to be over £100 and I could use the card to make a deposit of say £90 but then would still be covered if anything goes wrong? I hope I am making sense :cool:.
Oh and could I claim if I am not happy with the sofa eg the fillings are awful etc but the company's guarantee wouldn't cover that or they refuse to help with it?
Thanks in advance!
0
Comments
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Yes....is it just the item that needs to be over £100 and I could use the card to make a deposit of say £90 but then would still be covered if anything goes wrong?
Section 75 covers 'misrepresentation' and 'breach of contract'.Oh and could I claim if I am not happy with the sofa eg the fillings are awful etc but the company's guarantee wouldn't cover that or they refuse to help with it?0 -
Thank you YorkshireBoy, Credit Cards seem to be ok if you know what your doin ay! :think:0
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