Chase UK discussion

Nebulous2

uk1 said:

Hi all,

I looked and cannot find it.  Is the chase debit card purchases  covered by potential chargebacks?  

As a debit card I suppose that you do not receive section 75 protection.

Thanks. 

Section 75 refers to the consumer credit act, and debit cards aren't providing credit, so you're right - it isn't covered. 

A bank can do a chargeback for you on a debit card purchase, though some of them make it quite difficult. I've no idea how geared up to doing a chargeback Chase is. 

Daliah

Chase support pages might help

uk1

Daliah said:

Chase support pages might help

Thanks, yes I know.  But it only covers incorrect or overcharge and not items that do not meet the higher than US levels that UK consumer protection provides.  

In other words items that fail or aren’t as described.  

US consumer law for all practical purposes doesn’t exist.  UK banks understand this higher level criteria and will more readily chargeback than I fear than perhaps US banks.  That’s essentially my  thinking.

Daliah

uk1 said:

Thanks, yes I know.  But it only covers incorrect or overcharge and not items that do not meet the higher than US levels that UK consumer protection provides.  

In other words items that fail or aren’t as described.  

US consumer law for all practical purposes doesn’t exist.  UK banks understand this higher level criteria and will more readily chargeback than I fear than perhaps US banks.  That’s essentially my  thinking.

Not sure how US consumer laws come into it. Chase UK is authorised and regulated by the FCA and PRA, and is subject to English law.

uk1

No problem, I’ll explain.

US corporations with a light UK presence struggle to understand UK consumer protection and chargebacks are not regulated they are discretional. 

RG2015

uk1 said:

No problem, I’ll explain.

US corporations with a light UK presence struggle to understand UK consumer protection and chargebacks are not regulated they are discretional. 

JP Morgan have operated in the UK for over two centuries.

uk1

RG2015 said:

uk1 said:

No problem, I’ll explain.

US corporations with a light UK presence struggle to understand UK consumer protection and chargebacks are not regulated they are discretional. 

JP Morgan have operated in the UK for over two centuries.

How many UK consumers have had Morgan accounts and cards. Amex are also American and are amongst the most cooperative to customers with respect to chargebacks and section 75.

 I am merely wondering about a situation with having a bank account without an associated credit  card and therefore without offering section 75 protection whether a lack of decent chargeback confidence might be a concern worth thinking about when using the chargecard instead of a UK credit card for some purchase. That is all,

I have no problem if you do not have this concern.

Thanks. 

masonic

uk1 said:

RG2015 said:

uk1 said:

No problem, I’ll explain.

US corporations with a light UK presence struggle to understand UK consumer protection and chargebacks are not regulated they are discretional. 

JP Morgan have operated in the UK for over two centuries.

How many UK consumers have had Morgan accounts and cards. Amex are also American and are amongst the most cooperative to customers with respect to chargebacks and section 75.

 I am merely wondering about a situation with having a banks account without an associated credit  card without offering section 75 protection whether a lack of decent chargeback confidence might be a concern worth thinking about when using the chargecard instead of a UK credit card. 

I have no problem if you do not have this concern.

Thanks. 

If you have concerns about what can be done if something you purchase in the future is either not received or significantly not as described, then I'm sure they would welcome your question. They don't bite. The chargeback scheme is operated by Mastercard, so unlikely to be substantially different than other UK Mastercard debit cards.

uk1

masonic said:

uk1 said:

RG2015 said:

uk1 said:

No problem, I’ll explain.

US corporations with a light UK presence struggle to understand UK consumer protection and chargebacks are not regulated they are discretional. 

JP Morgan have operated in the UK for over two centuries.

How many UK consumers have had Morgan accounts and cards. Amex are also American and are amongst the most cooperative to customers with respect to chargebacks and section 75.

 I am merely wondering about a situation with having a banks account without an associated credit  card without offering section 75 protection whether a lack of decent chargeback confidence might be a concern worth thinking about when using the chargecard instead of a UK credit card. 

I have no problem if you do not have this concern.

Thanks. 

If you have concerns about what can be done if something you purchase in the future is either not received or significantly not as described, then I'm sure they would welcome your question. They don't bite. The chargeback scheme is operated by Mastercard, so unlikely to be substantially different than other UK Mastercard debit cards.

Oh thanks ….. 

RG2015

uk1 said:

RG2015 said:

uk1 said:

No problem, I’ll explain.

US corporations with a light UK presence struggle to understand UK consumer protection and chargebacks are not regulated they are discretional. 

JP Morgan have operated in the UK for over two centuries.

How many UK consumers have had Morgan accounts and cards. Amex are also American and are amongst the most cooperative to customers with respect to chargebacks and section 75.

 I am merely wondering about a situation with having a bank account without an associated credit  card and therefore without offering section 75 protection whether a lack of decent chargeback confidence might be a concern worth thinking about when using the chargecard instead of a UK credit card for some purchase. That is all,

I have no problem if you do not have this concern.

Thanks. 

I understand your comment viz a viz Amex. Chase UK customer services may indeed struggle to match Amex.

That said, many traditional UK banks may also be less "cooperative" regarding s75 and chargeback.