Section 75 - no use for secondary card holders?

2_4

https://forums.moneysavingexpert.com/discussion/comment/82183774#Comment_82183774

So if he pays a little bit on his personal card then the whole amount is protected? That's the question, not about which card is then used for the rest.

eskbanker

https://forums.moneysavingexpert.com/discussion/comment/82184136#Comment_82184136

Yes, that's correct - any amount paid on his own credit card opens up the possibility of a s75 claim for the whole item cost, provided it's between £100 and £30K.

2_4

I'm querying with the card provider direct but want to double-check on here too if anyone knows. Do these complications (supplementary card, PayPal, travel agent) also apply to the voluntary chargeback process in thee event of the agent goig bust before the holiday? Or are they only issues with S75?

eskbanker

https://forums.moneysavingexpert.com/discussion/comment/82184192#Comment_82184192

Chargeback isn't statutory in the way that s75 is, but I wouldn't really characterise it as 'voluntary' either, in that any provider issuing cards has to accept all the rules of the card scheme itself, i.e. Mastercard, Visa or AmEx, and these include chargeback.

The s75 requirement for an unbroken debtor-creditor-supplier chain doesn't apply to chargeback, but conversely chargeback can only recover the amount paid on the relevant card and has various other constraints too, such as timescales, lack of correlation with legislation, requirement to liaise with merchant before claiming, etc, although perhaps the main difference is that chargeback entails recovery from the merchant (who can challenge, and, if unsuccessful, will be out of pocket and may claim back again) whereas s75 claims tend to be settled by the card provider from their own funds.

https://www.moneysavingexpert.com/reclaim/visa-mastercard-chargeback/#chargevs75

2_4

Great, cheers! Think I'll get him to pay the deposit on his personal card to give him the best chance of S75.

Maegi

https://forums.moneysavingexpert.com/discussion/comment/82184252#Comment_82184252

Why does he not pay the whole thing via his personal card?

2_4

Why do you ask?