Credit card protection - understanding Section 75 protection

What if your purchase is faulty, doesn’t arrive or isn’t as described? Section 75 of The Consumer Credit Act 1974 gives credit card customers legal rights if they’ve paid for goods or services using their credit card. It applies when the total price of the goods or services is between £100 and £30,000 and all or part of the purchase price was made using a credit card.

If you’ve bought something using your credit card, the credit card issuer and the merchant may be equally liable for compensating you if things go wrong. For example, if there's a breach of contract or misrepresentation by the merchant against you, you may be able to successfully claim a refund.

What’s covered by Section 75?

It applies when the total purchase price of the goods or services is between £100 and £30,000 and all or part of the purchase price was made using a credit card.

When does Section 75 not apply?

  • You use a debit card instead of a credit card. Purchases made by debit card aren't covered under Section 75. Instead they're covered by the chargeback system. Cheques and cash are also excluded under Section 75.
  • The contract value is lower or higher than the threshold. Claims are limited to goods or services where the total purchase price is between £100 and £30,000 and all or part of the purchase price was paid using a credit card.
  • You use your credit card to make a cash withdrawal rather than paying the supplier by credit card. Because you’re using your credit card to borrow cash, there’s no retailer involved in the process so there's nothing to link the creditor (MBNA) to the merchant.


Payments made via third parties - sometimes a business taking payment is acting as an agent for the actual supplier. When this happens, Section 75 may not apply and you may not be able to claim against the credit card provider. So where possible, make any credit card payment direct to the company actually supplying the goods or services.

Making a claim under Section 75

If you’ve made a purchase on your MBNA credit card but the goods were faulty, damaged or didn’t turn up, you may be able to claim with us. Examples of things we receive claims for include (but not limited to) car purchases and repairs, mis-sold timeshares, holidays, electrical goods and building works.

Section 75 can be useful when you’ve already tried to get your money back from your supplier and for example they’ve ceased trading or aren’t returning your calls.

Call us on 0345 604 7425 Mon-Fri, 9am-5pm. When calling please say 'disputed transaction' to the automated service so we can direct your call to the right person. Standard network charges may apply.

Tell us as much as you can about the dispute, why you consider the merchant didn’t fulfil the agreed arrangement and what losses (if any) you've incurred as a result. We’ll then do our best to make a decision as soon as possible.

Section 75 is more than a service - it’s a legal right. Make sure you use it to avoid losing out when you may be covered for a purchase which doesn’t arrive, is faulty or isn’t as described.

Disputed transactions

We’ve put together a handy video to help you learn how you’re protected when you want to dispute something you’ve paid for with your credit card.
 

Disputed transactions video