Section 75 protection question

SteMSE

It's not my ability to get a credit card that concerns me - just the time it will take to process and to be able to use. Hence the original question.

[Deleted User]

To be honest, most card providers now, if approved, will get you the card and activation stuff in a few days

DullGreyGuy

SteMSE said:

The FOS guy asked several colleagues who all agreed that it would be covered..... 

So several people who've had the same basic training decided to follow the herd?

The FOS call centre isnt an advisory service outside of telling you how their complaints process works. They, like many call centres, however actually want to try and help so their answers come from a good but naive place. Having spent a decade in call centres and done work involving them since its mildly amusing how "urban myths" spread and get embedded... you hear one person giving a feasible but wrong explanation one week, the next week you hear 3 people say it, by the end of the month you hear it a dozen times a day. 

SteMSE

Just posting what was said to me, without judgement of right or wrong.

SteMSE

Deposit on CC, balance via bank transfer. Haven't spoken to them yet about methods of payment - wanted to get my ducks in a row before I went down that road.