S75 protection with a credit card and gift card

ForumUser7

Hi, slightly different to my last thread so thought I’d start a new one. Another transaction, and don’t have enough space on one card. In this case, they don’t allow multiple payment methods. Item is around £3k, is it ok with S75 to pay around £2.5k by the credit card, and then purchase a gift card using a different credit or debit card for the remaining £500 on a gift card please? From what I’ve read this is all fine and should be covered in full by the card provider but I wanted to double check. Thanks

DullGreyGuy

ForumUser7 said:

Hi, slightly different to my last thread so thought I’d start a new one. Another transaction, and don’t have enough space on one card. In this case, they don’t allow multiple payment methods. Item is around £3k, is it ok with S75 to pay around £2.5k by the credit card, and then purchase a gift card using a different credit or debit card for the remaining £500 on a gift card please? From what I’ve read this is all fine and should be covered in full by the card provider but I wanted to double check. Thanks

Better to add to your other thread...

As long as you pay £1 on a credit card, or tied finance, it doesnt matter if you pay the rest by cash, gift card, trade in, debit card, Spanish doubloons, services rendered, IOU note or any other method of payment that the vendor accepts. 

Your only issue is that in many cases they will suggest trying a Chargeback before a S75 for a variety of reasons but this is limited to the amount paid on a card (debit, credit or charge). You could still claim the remainder of the value under S75 if you did pay in doubloons. 

born_again

ForumUser7 said:

Hi, slightly different to my last thread so thought I’d start a new one. Another transaction, and don’t have enough space on one card. In this case, they don’t allow multiple payment methods. Item is around £3k, is it ok with S75 to pay around £2.5k by the credit card, and then purchase a gift card using a different credit or debit card for the remaining £500 on a gift card please? From what I’ve read this is all fine and should be covered in full by the card provider but I wanted to double check. Thanks

It might help if you said what you are buying & why exactly you are looking at S75, which is not a insurance policy & not a get out of jail free card.

Nasqueron

DullGreyGuy said:

ForumUser7 said:

Hi, slightly different to my last thread so thought I’d start a new one. Another transaction, and don’t have enough space on one card. In this case, they don’t allow multiple payment methods. Item is around £3k, is it ok with S75 to pay around £2.5k by the credit card, and then purchase a gift card using a different credit or debit card for the remaining £500 on a gift card please? From what I’ve read this is all fine and should be covered in full by the card provider but I wanted to double check. Thanks

Better to add to your other thread...

As long as you pay £1 on a credit card, or tied finance, it doesnt matter if you pay the rest by cash, gift card, trade in, debit card, Spanish doubloons, services rendered, IOU note or any other method of payment that the vendor accepts. 

Your only issue is that in many cases they will suggest trying a Chargeback before a S75 for a variety of reasons but this is limited to the amount paid on a card (debit, credit or charge). You could still claim the remainder of the value under S75 if you did pay in doubloons. 

Technically as long as you pay 1p it is ok

ForumUser7

born_again said:

ForumUser7 said:

Hi, slightly different to my last thread so thought I’d start a new one. Another transaction, and don’t have enough space on one card. In this case, they don’t allow multiple payment methods. Item is around £3k, is it ok with S75 to pay around £2.5k by the credit card, and then purchase a gift card using a different credit or debit card for the remaining £500 on a gift card please? From what I’ve read this is all fine and should be covered in full by the card provider but I wanted to double check. Thanks

It might help if you said what you are buying & why exactly you are looking at S75, which is not an insurance policy & not a get out of jail free card.

Thanks all

A computer display - but as it’s expensive I just want S75 protection in case it isn’t delivered or is faulty and the retailer is unhelpful. They’re well known based on what I’ve seen online, but as I’d never used them it makes me feel safer. So effectively using S75 to aid if they won’t abide by CRA. Belt and braces approach kind of.

born_again

ForumUser7 said:

born_again said:

ForumUser7 said:

Hi, slightly different to my last thread so thought I’d start a new one. Another transaction, and don’t have enough space on one card. In this case, they don’t allow multiple payment methods. Item is around £3k, is it ok with S75 to pay around £2.5k by the credit card, and then purchase a gift card using a different credit or debit card for the remaining £500 on a gift card please? From what I’ve read this is all fine and should be covered in full by the card provider but I wanted to double check. Thanks

It might help if you said what you are buying & why exactly you are looking at S75, which is not an insurance policy & not a get out of jail free card.

Thanks all

A computer display - but as it’s expensive I just want S75 protection in case it isn’t delivered or is faulty and the retailer is unhelpful. They’re well known based on what I’ve seen online, but as I’d never used them it makes me feel safer. So effectively using S75 to aid if they won’t abide by CRA. Belt and braces approach kind of.

CC would use chargeback process.

eskbanker

born_again said:

ForumUser7 said:

born_again said:

ForumUser7 said:

Hi, slightly different to my last thread so thought I’d start a new one. Another transaction, and don’t have enough space on one card. In this case, they don’t allow multiple payment methods. Item is around £3k, is it ok with S75 to pay around £2.5k by the credit card, and then purchase a gift card using a different credit or debit card for the remaining £500 on a gift card please? From what I’ve read this is all fine and should be covered in full by the card provider but I wanted to double check. Thanks

It might help if you said what you are buying & why exactly you are looking at S75, which is not an insurance policy & not a get out of jail free card.

Thanks all

A computer display - but as it’s expensive I just want S75 protection in case it isn’t delivered or is faulty and the retailer is unhelpful. They’re well known based on what I’ve seen online, but as I’d never used them it makes me feel safer. So effectively using S75 to aid if they won’t abide by CRA. Belt and braces approach kind of.

CC would use chargeback process.

But the purchase would still be covered by s75 (assuming it complies with all usual prerequisites), so the card company could use chargeback for the amount paid on the card but would still be on the hook for the rest.

Nasqueron

Question more would be whether or not the retailer will allow purchases in 2 parts like this

CliveOfIndia

Nasqueron said:

Question more would be whether or not the retailer will allow purchases in 2 parts like this

A very good point, especially as the OP originally said:

ForumUser7 said:

In this case, they don’t allow multiple payment methods.

But one other thing strikes me:

ForumUser7 said:

born_again said:

ForumUser7 said:

Hi, slightly different to my last thread so thought I’d start a new one. Another transaction, and don’t have enough space on one card. In this case, they don’t allow multiple payment methods. Item is around £3k, is it ok with S75 to pay around £2.5k by the credit card, and then purchase a gift card using a different credit or debit card for the remaining £500 on a gift card please? From what I’ve read this is all fine and should be covered in full by the card provider but I wanted to double check. Thanks

It might help if you said what you are buying & why exactly you are looking at S75, which is not an insurance policy & not a get out of jail free card.

in case it isn’t delivered or is faulty and the retailer is unhelpful. They’re well known based on what I’ve seen online

£3000 is an awful lot to be spending with a company that you have doubts about before you even begin.  A computer display is not exactly an unusual or hard-to-find item, there are dozens of reputable retailers who sell them.

Yes, if push comes to shove you'll be covered by S75.  But why not just save yourself the potential hassle in the first place and buy from a retailer with a more helpful reputation?

ForumUser7

Nasqueron said:

Question more would be whether or not the retailer will allow purchases in 2 parts like this

CliveOfIndia said:

Nasqueron said:

Question more would be whether or not the retailer will allow purchases in 2 parts like this

A very good point, especially as the OP originally said:

ForumUser7 said:

In this case, they don’t allow multiple payment methods.

But one other thing strikes me:

ForumUser7 said:

born_again said:

ForumUser7 said:

Hi, slightly different to my last thread so thought I’d start a new one. Another transaction, and don’t have enough space on one card. In this case, they don’t allow multiple payment methods. Item is around £3k, is it ok with S75 to pay around £2.5k by the credit card, and then purchase a gift card using a different credit or debit card for the remaining £500 on a gift card please? From what I’ve read this is all fine and should be covered in full by the card provider but I wanted to double check. Thanks

It might help if you said what you are buying & why exactly you are looking at S75, which is not an insurance policy & not a get out of jail free card.

in case it isn’t delivered or is faulty and the retailer is unhelpful. They’re well known based on what I’ve seen online

£3000 is an awful lot to be spending with a company that you have doubts about before you even begin.  A computer display is not exactly an unusual or hard-to-find item, there are dozens of reputable retailers who sell them.

Yes, if push comes to shove you'll be covered by S75.  But why not just save yourself the potential hassle in the first place and buy from a retailer with a more helpful reputation?

Apologies - I wasn’t clear. They don’t allow multiple debit / credit cards, but do allow gift card and credit card.

In short, it’s because that specific monitor is only available from a handful of retailers, none of who I have ever heard of or used before, and that monitor is the only one that has the required specification without being extortionate.

I’ve ruled out using the retailers which have bad reviews, and left in those with good reviews. It seems the one I’ve selected does have a helpful reputation, just as I’ve never experienced their service before I’d rather protect myself in case of any issues.

eskbanker

ForumUser7 said:
that monitor is the only one that has the required specification without being extortionate

Out of idle curiosity, what would you consider to be an extortionate price for a monitor?!