Paying Travel Agent - Debit or Credit

[bad company]

I have to pay a few thousand £’s next week to a travel agent for a cruise & flights. I read that section 75 doesn’t apply to ta’s, anyone know if that’s right?

I’d prefer to use my Chase debit card & get 1% back but maybe my Amex card would be safer?

[Percy Cushion]

If your Chase card is visa or Mastercard, I’d assume you’d be covered. Not aware that it doesn’t apply to travel agents, surely not??

[bad company]

Percy Cushion said:

If your Chase card is visa or Mastercard, I’d assume you’d be covered. Not aware that it doesn’t apply to travel agents, surely not??

From Google:-

Section 75 usually only applies when the payment is made directly to the supplier who is actually providing the services. However, the travel agent may have taken payment as agent for the supplier of the travel and section 75 may therefore still apply.

[Percy Cushion]

Thanks Bad Company, Well I live and learn.

[Countdown]

https://www.moneyhelper.org.uk/en/everyday-money/c...

Link said:

Debit card payments and purchases are not covered by section 75 of the Consumer Credit Act. But you might be able to make a claim for a refund under a voluntary scheme called ‘chargeback’.

This might cover purchases of any value made on debit, credit or prepaid cards.

But if your purchase was over £100 and was made on credit card, you’re better off claiming under section 75, as this offers greater legal protection.