Clarity or other credit cards and purchases from Europe and China?

Buster_Danog

I have been looking at different credit cards and want to use one for online purchases from Europe and China. My questions is whether this is a definite protection against non-delivery of goods, or do the credit card companies exclude certain countries or retailers?

As it happens I am sure the retailer is trustworthy, but I am more worried about problems with the courier either not delivering or damaging goods and want extra protection.

This is in addition to the lack of any foreign exchange fees. Obviously I would like a card that paid cashback as well, but I am not employed at the moment so don't seem to qualify for any of them. Nationwide Select seems to be a non-starter as they need you to hold a current account, and I can't see any other card that looks as good as the clarity.

cautiousjon

Sergeant_Troy wrote: »

I have been looking at different credit cards and want to use one for online purchases from Europe and China. My questions is whether this is a definite protection against non-delivery of goods, or do the credit card companies exclude certain countries or retailers?
...

The extra protections afforded by using a credit card (as listed in Section 75 of the Consumer Credit Act) do still apply for overseas transactions, but only if you buy directly from the merchant (i.e. not if you put money in a Paypal account and pay with that Paypal money) and the invoice is addressed to you and you are the cardholder.

http://www.moneysavingexpert.com/shopping/section75-protect-your-purchases

jonesMUFCforever

...........I would add if you are going to be purchasing obvious fake goods you will find that you are not covered.

Buster_Danog

No, not fake, but grey import from China (SLR camera) which I don't believe are illegal at all. I think they just don't qualify for a warranty when sold to the UK.

jonesMUFCforever

What would you do if it stopped working then?
Claim s75? - if so it won't work.

cautiousjon

Sergeant_Troy wrote: »

No, not fake, but grey import from China (SLR camera) which I don't believe are illegal at all. I think they just don't qualify for a warranty when sold to the UK.

jonesMUFCforever wrote: »

What would you do if it stopped working then?
Claim s75? - if so it won't work.

If you just want to make sure that the goods arrive to the UK and the supplier doesn't help if there is an issue, you should be able to claim against the credit card company via S75.

However, if the goods go wrong, I believe that you have to send the camera back to the European/Chinese distributor or pay the camera manufacturer's UK division standard repair fees to fix the issue. It's a reasonably evident fact online that camera manufacturers like Canon and Nikon UK won't honour a warranty for a camera body bought elsewhere, but I am sure that you know that already.

Buster_Danog

Yes, I knew that. I didn't know you could claim under s75 if the camera stopped working anyway.

dalesrider

jonesMUFCforever wrote: »

...........I would add if you are going to be purchasing obvious fake goods you will find that you are not covered.

Sorry but you are wrong.

Nice visa chargeback is available. For goods not as described.

dalesrider

Sergeant_Troy wrote: »

Yes, I knew that. I didn't know you could claim under s75 if the camera stopped working anyway.

Its not as simple as that.