Paid by credit card and something went wrong?
You may be able to claim your money back from your card provider. Use our free checker to see whether Section 75 might apply, then download a simple claim pack with template letters, evidence checklists, and next-step guidance.
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?
Use the full price of the item or service, not just the amount paid on your credit card. Example: if you paid a £50 deposit on a £1,500 sofa, use £1,500.
What went wrong? (Select all that apply)
When did you make the purchase?
Was this a personal purchase or a business purchase?
Section 75 may apply to your situation.
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.
This checker is only a guide. Your bank will still assess your claim based on the facts and evidence.
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
What we do and do not do
We do
- explain Section 75 in plain English;
- provide template letters and checklists;
- help you understand the process.
We do not
- handle your claim for you;
- contact your bank;
- take a percentage of your refund;
- give legal advice.