Section 75 Claim
A UK statutory right that makes credit card providers jointly and severally liable alongside a merchant for misrepresentation or breach of contract on purchases between £100 and £30,000.
Also known as: s75 claim, Consumer Credit Act s75
Last reviewed: 10 June 2026
Section 75 of the Consumer Credit Act 1974 provides that when a UK consumer uses a credit card to buy goods or services costing between £100 and £30,000, the credit card provider is jointly and severally liable for any misrepresentation or breach of contract by the supplier. This means the cardholder can claim directly against the card issuer even if the merchant has gone bust, disappeared, or refuses to cooperate.
This is a more powerful right than a chargeback. A chargeback is a card-network procedural mechanism with strict time limits; Section 75 is a statutory legal right with a six-year limitation period. Even if only a small deposit was placed on the card (say £1) and the rest paid by bank transfer, Section 75 may still apply as long as the deposit was made on the credit card and the total price of the goods was between £100 and £30,000.
Section 75 does not cover purchases made through payment intermediaries in some circumstances (the courts have not fully resolved when the 'direct supplier relationship' requirement is met for platforms like PayPal). It applies only to credit cards — not debit cards — and only to personal, not business, accounts.
Examples
- A consumer pays a £200 deposit on a £2,000 holiday via credit card; the travel company collapses. She claims the full £2,000 from her credit card provider under Section 75.
- A consumer buys a £500 laptop with a credit card; it arrives damaged and the retailer ignores the return request. He claims against both the retailer and the card issuer under s75.