Credit Card Refund

Michaelh

Hi,

I recently paid Cunard for some excursions on a holiday in Jan 2015, in dollars with my Halifax clarity credit card. This was converted to pounds which I then paid off. Unfortunately the excursions have been cancelled by Cunard and the money is being repaid to my credit card in dollars. If after exchanging to pounds, the money is less than the original charge to my card can I claim the difference from the credit card company under clause 75?

Michaelh

[Deleted User]

No. .

InsideInsurance

Michaelh wrote: »

Hi,

I recently paid Cunard for some excursions on a holiday in Jan 2015, in dollars with my Halifax clarity credit card. This was converted to pounds which I then paid off. Unfortunately the excursions have been cancelled by Cunard and the money is being repaid to my credit card in dollars. If after exchanging to pounds, the money is less than the original charge to my card can I claim the difference from the credit card company under clause 75?

Michaelh

If its more do you think they should be able to claim it off you?

You paid $500 and got refunded $500 so there is no liability to the merchant and so no liability under S75. These are just the risks of doing international purchases and they can work in your favour as well as your detriment.

Clive_Woody

Michaelh wrote: »

Hi,

I recently paid Cunard for some excursions on a holiday in Jan 2015, in dollars with my Halifax clarity credit card. This was converted to pounds which I then paid off. Unfortunately the excursions have been cancelled by Cunard and the money is being repaid to my credit card in dollars. If after exchanging to pounds, the money is less than the original charge to my card can I claim the difference from the credit card company under clause 75?

Michaelh

If it is a significant amount you could ask Cunard to cover this difference but I doubt that your credit card provider is going to be interested.