Credit card advice please

Bazc

Hi I’m looking for advice please

Early next year I plan on spending up to £4000 On what is more than likely going to be in a private sale (gumtree etc) is it possible to use a 0% interest credit card to transfer money into the sellers account and does it still offer the same CC protection? Another thought I had was a money transfer CC into my own account then transfer to sellers account, I’m guessing this certainly wouldn’t off CC protection?

Thanks in advance

mattvolatile

If the person you're buying from uses PayPal, you can pay them with a credit card through that, but you cannot transfer cash from a purchase credit card into another account. Using PayPal does not give you Section 75 protection.

You can use a Money Transfer card to put the money in your account and then do a bank transfer to your seller -- but again, no Section 75 protection there.

Bazc

Ah never thought I’d using CC with PayPal!

Thank you!

Fingerbobs

Bear in mind that PayPal has quite low sending and receiving limits. Check that £4000 won't exceed the sender's sending limit or the receiver's receiving limit before relying on this as a payment method.

Bazc

Something I’ll need to look into

I’m really just trying to get as much cover for myself as possible as I’ve never bought something this expensive from a private seller

[Deleted User]

Does the seller not take CC payment?

Bazc

It’s more than likely going to be from gumtree or similar so I’d doubt they’d have the tech

Terry_Towelling

If you are buying on Gumtree then I doubt you are going to protect yourself very much at all, no matter how you access the credit on a credit card. I understand PayPal has some kind of dispute-resolution mechanism but you will not get any S75 protection. Also, given the fact you would have to move funds from a credit card through a third-party like PayPal, or through a Money Transfer process, I don't think you'll get any Chargeback protection from your card issuer either.

System

!!! wrote: »

Does the seller not take CC payment?

Why would a random member of the public accept credit card payments? Do you?

Ergates

Bazc wrote: »

Something I’ll need to look into

I’m really just trying to get as much cover for myself as possible as I’ve never bought something this expensive from a private seller

Using paypal will offer you next to zero actual protection.

Paypal do have dispute resolution processes, but they're paypal's own internal processes and they aren't enforceable. *If* paypal take your side in a dispute you should be OK, but if paypal decide to just wash their hands of it then there is, basically, **** all you can do about it.

They're an American company, consumer rights are a commie plot.