To qualify for protection under section 75, you have to spend between £100 and £30,000 on your credit card. This protection does not apply to anything you buy using a debit card.
The £100 minimum amount applies to each item or set of items you buy, rather than the total bill.
For example, if you bought a dress and jacket that weren’t part of a suit, with each one costing less than £100, you wouldn’t qualify for the consumer protection under section 75.
Another example would be buying tickets for an event, or airline tickets.
A ‘family ticket’ would count as one item but individual tickets for family members would not.
You might be able to make a claim against your credit card company under a voluntary scheme called ‘chargeback’ which we explain in the Understanding chargeback section below.