Section 75: Get your money back from your credit card provider
If a retailer has gone bust, refused a refund, or delivered something seriously wrong, you may be able to claim your money back from your credit card provider, not just the retailer. Section 75 of the Consumer Credit Act 1974 makes them jointly liable for purchases between £100 and £30,000, even if you only paid £1 of the price on the card.
Most UK consumers either don't know about this right or don't use it correctly. This site gives you the tools to do it properly.
Check your eligibility
Answer five quick questions to find out whether you have a Section 75 claim.
Did you pay at least £1 of the purchase on a credit card?
What was the total purchase price?
What went wrong? (Select all that apply)
When did you make the purchase?
Was this a personal purchase or a business purchase?
You are likely eligible for a Section 75 claim.
Your purchase meets the basic conditions: paid at least partly by credit card, between £100 and £30,000, and within the time limits. You can make a claim directly to your credit card provider. Our claim pack includes a template letter and a step-by-step guide to give your claim the best chance of success.
Section 75 does not apply, but chargeback might.
Section 75 only applies to credit card purchases. If you paid by debit card, you may be able to request a chargeback through your bank instead. Chargeback has shorter time limits and fewer legal protections, but it is often your best option in this situation.
The purchase price is below the Section 75 threshold.
Section 75 only applies to purchases with a total price of £100 or more. For purchases under £100, chargeback through your bank is the route to try. Chargeback is not a legal right in the same way, but most UK banks process them routinely for qualifying disputes.
Section 75 does not cover purchases over £30,000.
Section 75 applies to agreements where the cash price is between £100 and £30,000. For larger purchases, Section 75A of the Consumer Credit Act may provide some protection in limited circumstances, but this is a narrower right. You may also want to speak to a solicitor about your options.
Your claim may be time-barred.
The limitation period for a Section 75 claim is six years from the date the cause of action arose in England and Wales, and five years in Scotland. If your purchase is older than this, your claim is likely out of time. It is still worth making contact with your bank, as they may exercise discretion, but you should be aware of the limitation issue. Consider taking legal advice.
Section 75 does not cover business credit card purchases.
Section 75 applies to regulated consumer credit agreements. Purchases made on a corporate or business credit card (issued to a limited company) generally fall outside the Consumer Credit Act. If you used a personal credit card for a sole-trader business purchase, the position is different and you may still have a claim.
Start here
Recent business failures
If a company you dealt with has recently gone into administration, we publish a Section 75 guide within 48 hours.
- Hargreaves Interiors Ltd (administration, April 2026) — furniture deposits, Section 75 applies