Paying for a holiday with different card types

Hannaclan

I'm looking for some advice please regarding a holiday I booked earlier this year. I paid the deposit via Debit Card and am due to pay the balance (which is quite large) in 2 weeks time. I was going to pay again on my Debit Card to avoid the hefty Credit Card fees but am now worried about having no protection in case anything goes wrong with the holiday company. Question: If i paid a small amount on my credit card (say £100) and the rest via Debit card, would i then get Credit Card protection on the whole holiday amount, or would i be exempt as i have not paid for the whole holiday by credit card? Any advice appreciated.

Westin

Hannaclan wrote: »

I'm looking for some advice please regarding a holiday I booked earlier this year. I paid the deposit via Debit Card and am due to pay the balance (which is quite large) in 2 weeks time. I was going to pay again on my Debit Card to avoid the hefty Credit Card fees but am now worried about having no protection in case anything goes wrong with the holiday company. Question: If i paid a small amount on my credit card (say £100) and the rest via Debit card, would i then get Credit Card protection on the whole holiday amount, or would i be exempt as i have not paid for the whole holiday by credit card? Any advice appreciated.

Yes, that would be a good way to do it.

If however you are booked with a reputable UK tour operator (Thomson, Thomas Cook to name just two) and have ATOL protection then the ATOL scheme would cover you against the failure of your travel provider.

I tend to do as you are thinking with just over £100 on a credit card and the balance via a VISA debit card.

Voyager2002

Strictly speaking, if you pay ANY amount (no matter how small) on a credit card then you are protected for the full cost of the item, so long as it is more than 100 pounds and less than 30,000 pounds.

crazycamper

As correctly pointed out, if you have booked with an Atol protected company, then you do not need to use your credit card. Most companys will charge fees for using your credit card.