Section 75 credit card (UK)
Section 75 of the Consumer Credit Act 1974 provides consumers in the UK with protection when paying for goods or services over £100 and up to £30,000 using a credit card, making the credit card provider jointly liable with the supplier for breaches of contract or misrepresentation.
What this consumer right covers
Section 75 is a key consumer protection under UK law that allows cardholders to claim against their credit card provider for issues with a purchase, such as non-delivery, faulty goods, or misrepresentation by the supplier. It applies when the purchase is made directly with the credit card provider or through a linked third party, and the transaction value is between £100 and £30,000. This provision shifts liability from the supplier to the credit card company, offering an additional layer of security for consumers.
Key legal requirements
- Purchase must be between £100 and £30,000 (inclusive)
- Payment must be made using a credit card (or a linked third-party payment service like PayPal)
- The supplier must be based in the UK or the EU (for transactions before 1 January 2021)
- The claim must relate to a breach of contract or misrepresentation by the supplier
Why this matters
Section 75 provides a critical safety net for consumers, reducing financial risk when purchasing goods or services. If a supplier fails to deliver or provides faulty items, the consumer can pursue the credit card provider for a refund or compensation, avoiding reliance solely on the supplier. Failure to understand eligibility or pursue a claim correctly may result in loss of protection or unnecessary financial loss.
Next step with VetroCheck
Use the Section 75 Credit Document Review agent if you want a structured review of the relevant documents and supporting record.
Related reading
Compliance note
This glossary content is provided for informational and educational purposes only. It does not constitute formal legal advice, does not create a solicitor-client relationship, and should be checked against current legislation, official guidance, and the facts of the specific case.
At a glance
- Definition
- Section 75 of the Consumer Credit Act 1974 provides consumers in the UK with protection when paying for goods or services over £100 and up to £30,000 using a credit card, making the credit card provider jointly liable with the supplier for breaches of contract or misrepresentation.
- Term
- Section 75 credit card (UK)
- Category
- Consumer
- Published
- Updated
- Keywords
- UK, Consumer, consumer