Can you get a mainstream credit card when on disability benefits?

Ebe_Scrooge

DullGreyGuy said:

williewonder said:

DullGreyGuy said:

williewonder said:

I have a Vanquis, Barclaycard Forward, Capital One, Post Office, credit cards at the moment. I would like a mainstream travel card for when I go abroad.

Can you get mainstream credit cards when on disability benefits. I have no problem keeping with with repayments and always pay my credit cards in full every month. I have quite a-lot off disposable income. 

If you have a lot of disposable income then presumably you have reasonable savings? In which case why not get a debit card that's not got any overseas fees like Starling?

I already have two debit cards with no oversea fees. I would like a better credit card as this offers more protection.

"Better" is a subjective description... you have the same protection as you do with debit card the only difference is you have a second party that you can go after in the event of a misrepresentation or breach of contract. That may make things a little easier given geographies but if the light consumer protection law in the US means the merchant doesn't owe you anything then your credit card wouldnt owe you anything either.

Unfortunately S75 is often misrepresented to be much bigger than it is hence we get lots of queries of people wanting refund from their CC because they were ill and missed a flight etc 

Chargeback (available on both Debit Card and Credit Card purchases) is rather different to S75 protection, which is available on Credit purchases only.  You're absolutely right - in the classic case of a holiday being cancelled due to illness or whatever, S75 is useless, and in all cases is no substitute for proper insurance.  But to state that the protection offered by Credit and Debit card is no different - I'm sorry, that's patently not correct.

DullGreyGuy

Ebe_Scrooge said:

DullGreyGuy said:

williewonder said:

DullGreyGuy said:

williewonder said:

I have a Vanquis, Barclaycard Forward, Capital One, Post Office, credit cards at the moment. I would like a mainstream travel card for when I go abroad.

Can you get mainstream credit cards when on disability benefits. I have no problem keeping with with repayments and always pay my credit cards in full every month. I have quite a-lot off disposable income. 

If you have a lot of disposable income then presumably you have reasonable savings? In which case why not get a debit card that's not got any overseas fees like Starling?

I already have two debit cards with no oversea fees. I would like a better credit card as this offers more protection.

"Better" is a subjective description... you have the same protection as you do with debit card the only difference is you have a second party that you can go after in the event of a misrepresentation or breach of contract. That may make things a little easier given geographies but if the light consumer protection law in the US means the merchant doesn't owe you anything then your credit card wouldnt owe you anything either.

Unfortunately S75 is often misrepresented to be much bigger than it is hence we get lots of queries of people wanting refund from their CC because they were ill and missed a flight etc 

Chargeback (available on both Debit Card and Credit Card purchases) is rather different to S75 protection, which is available on Credit purchases only.  You're absolutely right - in the classic case of a holiday being cancelled due to illness or whatever, S75 is useless, and in all cases is no substitute for proper insurance.  But to state that the protection offered by Credit and Debit card is no different - I'm sorry, that's patently not correct.

Yes, I worded that very badly... I meant you fundamentally have the same rights if you pay by any mechanism however S75 adds an extra party to which you can exercise those rights against. (To be honest this may not be much of an improvement in wording). Use of a credit card doesn't suddenly mean UK consumer rights apply or that travel is covered for illness etc.

Given S75 requires the item to be over £100 and given the duty free limit of £390 for all items imported its a rather narrow band of items you may be buying for yourself on holiday to bring into the UK where a subsequent issue with it would be covered by S75 but outside the timescales of a chargeback.

@born_again - I know with insurance companies sometimes they'll ask people to demonstrate that the items were declared and UK taxes paid if someone subsequently claim they were stolen etc. Would a bank ask for proof that a £10k Rolex was correctly imported or just settle the S75 claim if the customer claimed the watch was faulty and irreparable after bringing it back to the UK? 

born_again

This thread is now way of topic. Nothing to do with Op question.