using more than one card for paying holiday

fire42

Hi all
Here's one for you....if I pay a deposit on a holiday using one credit card and the balance using another later on (because a good offer comes along) if something happens to the company, what would happen in terms of liability. Is it proportional or what? Yes it's probably not a good idea but what's the reality
Regards
Dave

PeacefulWaters

If you're referring to section 75 you could choose one card company to pursue and they would have total liability.

eddddy

Almost that exact example is mentioned on the Financial Ombudsman website (in realtion to Section 75) :

So, for example, a customer who pays a deposit for goods - using a credit card issued by firm A - and then pays the balance using firm B's card, has the choice of claiming for the cost of goods and any consequental losses against:

- the supplier of the goods;
- firm A;
- firm B; or
- all three.

Link: http://www.financial-ombudsman.org.uk/publications/ombudsman-news/31/creditcards-31.htm#316

BUT... if you're talking about booking through a travel agent, the same web page states:

Where customers use a credit card to buy airline or other travel tickets from a travel agent, they cannot normally claim against the travel agent if the airline delays or cancels the flight. This is because the travel agent contracted to supply the ticket, not the flight. So the customer would not have a claim under section 75 either.

However, things are different if customers use a credit card to buy the travel agent's own "package" of travel arrangements. In such instances the agent is the supplier of the holiday package.

fire42

Thanks for your replies guys..thought it would really complicate issues splitting the transactions. Seems odd to be able to pursue one of two cards, one of which was only used for 25% of the total. Learn something new each day....
Regards
Dave