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holiday credit card limit

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Hi, I think that by paying for flights on a credit card, that gives extra protection (for example if the airline goes bust). But how is that possible if the spending limit is lower than the flights cost? Can I pre-load money onto the card before purchasing the flights? eg if flights cost 2000 and my limit is 1000, if I put 1000+ of savings onto the card before buying the flights, would it allow me to make the purchase even though it is above my credit limit?
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  • SnuggleBuggles
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    My understanding is you're covered under Section 75 even if you only pay £10 towards your holiday flight using your credit card.
  • Abbie7
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    Thank you, so I could split the spend between my current account card and new credit card then potentially, if the flight website lets me pay in two different ways - is that normally possible?

    Also, I was thinking of using a credit card which gave cashback from spending, so ideally would load money onto it in advance if that is possible?
  • MallyGirl
    MallyGirl Posts: 6,677 Senior Ambassador
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    loading cards with money to put them into a positive position breaks most T&Cs
    I’m a Forum Ambassador and I support the Forum Team on the Pensions, Annuities & Retirement Planning, Loans
    & Credit Cards boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.
    All views are my own and not the official line of MoneySavingExpert.
  • Abbie7
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    That's good to know - thank you!

    So basically I need to split payment between a credit card to get cover under section 75 and my current account card.
  • SnuggleBuggles
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    Perhaps pay the deposit on your credit card and the balance from your current account. You will probably need to ring the airline direct in order to split payment in this way.
  • Abbie7
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    Yes - it seems that it is difficult to pay upfront using two different cards. And it also seems that some credit cards say that unless you pay for flights in full with the card, you can't claim under section 75. Alll much more complicated than it seemed at first!
  • Abbie7
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    Maybe the solution to make sure that we would be covered would be to get a prepaid credit card?
  • [Deleted User]
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    No - that would be the worst solution as you're not using credit.

    Use a credit card for a deposit. You will get section 75 protection no matter what card you use.
  • Abbie7
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    OK. So I need to check that the airline provider will let me use one card for deposit and one for the balance.
  • LABMAN
    LABMAN Posts: 1,659 Forumite
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    Abbie7 wrote: »
    OK. So I need to check that the airline provider will let me use one card for deposit and one for the balance.

    Or use the credit card for a deposit and pay it off asap and then reuse it for the balance later?
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