What Section 75 covers
Section 75 applies when you use a credit card (not debit) to pay for goods or services between £100 and £30,000 per item or transaction. It makes the credit card issuer jointly liable with the supplier for any breach of contract or misrepresentation.
This means if the goods never arrive, are fundamentally different from what was described, or the company turns out to be fraudulent, your credit card company is equally responsible for putting things right.
How to make a Section 75 claim
Contact your credit card issuer and explain that you’re making a claim under Section 75 of the Consumer Credit Act 1974. Provide details of the transaction, what was promised, and what actually happened.
The card issuer should investigate and respond. If they reject your claim, you can escalate to the Financial Ombudsman in the same way as a bank complaint.
Section 75 vs chargeback
Chargeback is a separate process under Visa/Mastercard rules with a shorter time limit (typically 120 days). Section 75 is a statutory right with a 6-year limitation period.
You can pursue both simultaneously. Chargeback is faster but can be disputed by the merchant. Section 75 is more robust and covers a longer window.
Dual-track claims
If you paid for a fraudulent investment or purchase using both a bank transfer and a credit card, you may be able to pursue an APP fraud claim for the bank transfer AND a Section 75 claim for the card payment simultaneously. This is called a dual-track claim and maximises your chances of recovery.