Any advantage in paying for replacement windows with a credit card?

jennywren52

We are seriously considering replacing our windows - a scarily expensive prospect!  All too aware that companies can go bust once they've taken the money we wonder if using a credit card is a sensible way to pay rather than cash?   Is there a limit to the amount covered by the protection of a payment made by credit card?

Aylesbury_Duck

Absolutely you should.  You need not put the entire sum on a card if the company doesn't want to accept credit card payments.  The card company has joint liability even if you put a small part of the whole sum on the card, and pay the rest another way.

TELLIT01

I think the card liability limit is about £30k, but that may have changed.  Irrespective of the limit, paying on credit card does provide an additional level of 'insurance'.

born_again

TELLIT01 said:

I think the card liability limit is about £30k, but that may have changed.  Irrespective of the limit, paying on credit card does provide an additional level of 'insurance'.

Nope, still the same. max £30K & that would be one hell of a lot of windows.

It is not "Insurance" though.

Sandtree

I wouldnt replace my windows with a credit card... for a start my windows are much bigger than a credit card and I just dont think a credit card will insulate as well nor allow enough light in. 

TELLIT01 said:

I think the card liability limit is about £30k, but that may have changed.  Irrespective of the limit, paying on credit card does provide an additional level of 'insurance'.

The limit is £30k and its binary, so buy something thats £30,500 and you have no cover its not that you just lose the cover for the extra £500.

The limit (floor and ceiling) is for the item though so as long as the bill is itemised as 31 windows at £1,000 each then you'd have cover for all of them whereas if the bill was £31,000 for replacing all windows there would be no cover.

If its over £30k and the merchant offers tied credit then that would give S75a cover for up to £62,260 but again if its £62,261 there is no cover at all.