Paying a holiday deposit

narrowback

Hi all.

I'm booking a holiday for me and my wife and I will be paying for the deposit only on my credit card and the remainder of the balance in cash. In order to be covered by section 75 would I need to pay £100 deposit for both of us, or will £100 suffice? I was thinking perhaps the credit card company could say that I have made two £50 transactions and so wouldn't cover me if anything went wrong.

I know it's not a big problem but just something I'd like to get right before I part with my cash.

Thanks

grumbler

*I think* for package holiday one £100 deposit is OK.

branney

i think my credit card only compensates pro-rata for goods bought part-card/part-cash. could be different for holidays though.

if it doesn't say in the terms and conditions, you should just phone them to be safe, i reckon

mountainofdebt

Be careful about paying for a holiday with a credit card.....the holiday companies tend to charge you about 2% for the privilage.

If you really do want to pay by credit card, then it might be an idea to pay for the holiday in one go as there is usual a cap on this charge. However if you pay the deposit by credit card and then decide to pay the rest by credit card later, you will be charged 2 credit card fees and the total may exceed the cap.

MastG

I think you have to pay 100% of the sum to be covered (not really sure on that)

I book flights only and find that if I look around there are plety of companies that have no surcharge for Credit Card
(ex: ebookers and benz travel charge while Trailfinders and Journey Latin America do not)

so look around for travel companies that do not charge and compare their prices

Gary

branney

MastG wrote:

I think you have to pay 100% of the sum to be covered (not really sure on that)

yeah that it kinda what i was getting at. if you pay £100 by card on a £600 holiday, you will only be covered for £100 if anything that would normally be covered goes wrong

narrowback

Be careful about paying for a holiday with a credit card.....the holiday companies tend to charge you about 2% for the privilage.

If you really do want to pay by credit card, then it might be an idea to pay for the holiday in one go as there is usual a cap on this charge. However if you pay the deposit by credit card and then decide to pay the rest by credit card later, you will be charged 2 credit card fees and the total may exceed the cap.

The plan was that the bulk of the holiday would be paid for in cash and the £100 deposit put on the credit card purely for some extra protection (the booking is going to be with Direct Holidays if that makes it any clearer.)
Someone has just started another question about why their Mint card wont pay out following a holiday company going bust and them not getting their holiday. I'll be watching with interest the outcome of that.
In the meantime I'll give the credit card company a ring to see what they say. Problem with that is, that I'm never sure the people you're talking too know what they're actually talking about:))

Cheers for the advice up to now. Thanks

burbs_2

I booke a holiday to florida for £2194 with Direct Holidays 3 weeks ago. I paid £120 deposit straight away on credit card and got charged £2.40 for it, i then have to pay another £380 within 8 weeks. I dont know what or if i am covered but i have heard good things about Direct Holidays so hope its all ok

ManAtHome

Direct Holidays (part of MyTravel) are ATOL registered/bonded, so your money (or holiday) is protected anyway. Credit cards are useful if you're booking flights and accomodation seperately (and each bit is over £100).

Note that this is similar for all package holidays booked through a TA who is ABTA, ATOL, or AITO (I think) registered. They normally have a logo and number in their brochures or on Teletext/Internet pages.

YorkshireBoy

narrowback wrote:

In the meantime I'll give the credit card company a ring to see what they say. Problem with that is, that I'm never sure the people you're talking too know what they're actually talking about:))

Do you manage your card online? Wherever possible I use secure messaging instead of phoning my providers.

jonesMUFCforever

In theory you only have to pay £100 for full protection under the Consumer Credit card.
So if your holidays cost £2000 with an initial deposit of say £400 only the first £100 need be paid by credit card under joint and several liability.
It does not matter what various card companies state in their t&c because the CCA in its present form overules them.
Eric