Hi,

As long as you have at least £100 by Credit Card you are covered the rest can be paid by your debit card.

Angie.

Thanks Angie thats what I thought, so I should be o.k., really did'nt want to put on my credit card and have an extra fee on top!!

No that defeats the object of trying to get a decent price for the holiday in the first place.

Angie.

I use my credit card every year to pay of my holiday

Every April I usualy have £500 left to pay, come payday in May that card is paid of

When I paid the final balance for my holiday last month, they didnt charge me for using my credit card.
I booked with Portland.

I was going to ask the same question.

I paid my deposit by cash and the balance left is £3070, I want to pay by credit card but the sur charge is 3%, sorry my maths isnt that good but does that mean I would have to pay roughly £80.00 to use my credit card?.

I want to be protected just incase first choice goes bust but £80.00 is abit extreme.

Is there any way which I will still be protected without paying charges?.

In very simple terms for anyone who is not sure how it works.

If you pay at least £100 with your credit card then you enjoy the protection that gives for the full cost of the holiday.

A surcharge is normally applied on the amount you pay by credit card, typically 2 to 3% - for obvious reasons it is financially better for you not to pay the full cost of the holiday on your cc.

If you are paying the balance then consider part cc and balance cash/cheque or debit card if you have not paid the deposit that way.

Before anyone raises the question the VISA debit card does give the same protection as the cc in some cases.

I personally pay deposit by cc and send a cheque for the balance 7/10 days before due date by first class post.

fwh

Can you explain to me how that works then

So if I pay £100 using my credit card and then pay the rest by debit card or cash I will still be covered for the full amount?.

Sorry I don't see how that works.

How Section 75 of the Consumer Credit Act Protects Your Credit Card. The below is taken from Money.co.uk!

What is Section 75 of the Consumer Credit Act 1974?
Section 75 of the Consumer Credit Act 1974 is a piece of legislation designed to remove the risk that you, as a consumer, will ever get into debt paying for goods or services that you didn't receive, were faulty or were otherwise not as described.

What protection does it give me?
When you use your credit card to pay for goods or services between £100 and £30,000, Section 75 holds your credit card provider ‘jointly and severally' responsible for your purchase. This means that you have the right to claim a refund from your credit card provider if there is a problem with the goods or services you ordered.

How does it work?
To claim a Section 75 refund from your credit card provider you will need to have paid for goods or services on your credit card that were over £100 and less than £30,000. Additionally, the total amount of credit borrowed cannot be greater than £25,000.

Technically, this qualifying amount needs to be for a single item (or booking) before any delivery charges or additional fees are added. The exception to this rule is when you make a purchase as part of a ‘2 for 1' style special offer or deal. In this instance as long as the total value of the conjoined purchase is over £100 and less than £30,000 you should still be able to make a claim.

How do I make a claim?
If you make a purchase for goods or services that fail to materialise, are faulty, are poor quality or are inadequate in some other way you have the option to place a claim with your credit card provider right away. However, it is usually best to first approach the retailer or service provider directly (where possible) and ask for a refund.

If this proves fruitless you should then do the following:

Contact your credit card provider in writing explaining that you'd like to request a refund under Section 75 of the Consumer Credit Act 1974.

Specify what the problem is (e.g. whether the product was faulty or has not arrived etc).

Include details such as the date you made the purchase, the retailer or service provider you made the purchase with, the products or services you paid for with credit card and their total value - it can be useful to include copies of any receipts or other paperwork you have relating to the transaction.

Explain that you have tried to resolve the issue with the retailer without success and include copies of any correspondence you have with them.

Specify a time limit within which you'd like the matter resolved.
Alternatively, you could try calling your credit card provider and request that they send you a Section 75 claims form (offered by some credit card providers) which you should then complete and send back to them with copies of any supporting documents requested.

If you need help with your claim you can contact Consumer Direct for further advice and assistance on 08454 04 05 06.

Do I have to pay the full amount on credit card to be protected?
Providing the total value of the item purchased with your credit card is greater than £100 and less than £30,000 you will be protected by Section 75 of the Consumer Credit Act even if you only pay a deposit with your card and use another method of payment to settle the outstanding.

For example, if you pay a £20 deposit for an item priced at £200 on your credit card and then settle the rest by cheque your credit card provider will still be jointly liable for the whole amount.

Are overseas purchases covered?
Any purchase you make by credit card while you are abroad will be protected under Section 75 of the Consumer Credit Act, providing they fall within the £100 - £30,000 inclusion range. Similarly, any purchase you make from a company based overseas will receive the same level of protection when you pay by credit card. This holds true regardless of whether you make your purchase online, by telephone or via mail order.

Are debit card purchases covered?
Purchases made using debit cards, charge cards, gift cards, the vast majority of prepaid cards, cash or cheques do not qualify for Section 75 protection. This is because they do not operate under a credit agreement.

The Visa Debit Chargeback scheme does, however, offer some protection for purchases made on Visa debit cards. This scheme enables you to obtain a refund from your Visa card provider if any purchase you make on your card is unsatisfactory, doesn't arrive or is faulty. It also protects you if your card is used fraudulently. However, unlike Section 75 there is no legal obligation for providers to fulfil this protection so placing a claim with the issuer of your Visa card provider may require a little persistence.

Are unfulfilled purchases with companies that have gone into administration covered?
You should be able to claim a Section 75 refund on unfulfilled goods or services purchased from a company that has gone into administration - as long as your purchase was valued between £100 and £30,000 and you made at least a deposit using your credit card.