Paying part credit card part debit card

Belly · 20 Jan 2015 at 18:30

I was advised that if I were to pay part of my holiday by credit card, let's say the deposit of £200 which would attract a surcharge of 2.5% and later paid the balance of £2500 with a debit card (with no surcharge) I'd be able, if something went wrong to claim the full amount (£2700) against the credit card.

It seems unlikely but does anyone have any information on this?

Thanx

mattyg · 20 Jan 2015 at 18:31

Belly said:
I was advised that if I were to pay part of my holiday by credit card, let's say the deposit of £200 which would attract a surcharge of 2.5% and later paid the balance of £2500 with a debit card (with no surcharge) I'd be able, if something went wrong to claim the full amount (£2700) against the credit card.

It seems unlikely but does anyone have any information on this?

Thanx

Sounds about right.

As long as you pay some of it on the credit card you have cover

Hyburnate · 20 Jan 2015 at 18:41

Yes that's correct, pretty sure it's easier if the credit card amount is over £100

Burnsy2023 · 20 Jan 2015 at 18:42

DO you have a Visa Debit card? If so, although you don't have the protections of the consumer credit act, Visa voluntarily have the same T&Cs regarding chargeback etc with their debit cards.

If not, then your understanding is correct, your CC company would be liable for the full amount.

mattyg · 20 Jan 2015 at 18:42

Hyburnate said:
Yes that's correct, pretty sure it's easier if the credit card amount is over £100

Amount has to be over £100 and less than £30k

Seft · 20 Jan 2015 at 19:41

mattyg said:
Amount has to be over £100 and less than £30k

The cost of the item has to be within that range, not the credit card transaction.

Hyburnate · 20 Jan 2015 at 23:27

mattyg said:
Amount has to be over £100 and less than £30k

I thought you could do it if its under £100 but it's harder? Or is that only for full payments on the credit card?

mattyg · 20 Jan 2015 at 23:38

http://www.ukecc-services.net/Payingwithacreditcard.cfm

Hyburnate · 20 Jan 2015 at 23:44

I was thinking of this http://www.moneysavingexpert.com/shopping/visa-mastercard-chargeback

leaskovski · 21 Jan 2015 at 09:29

mattyg said:
http://www.ukecc-services.net/Payingwithacreditcard.cfm

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.

I had no idea about that! I assumed you had to pay the full amount on the CC to be covered. Thanks!

Redgie · 21 Jan 2015 at 09:52

mattyg said:
http://www.ukecc-services.net/Payingwithacreditcard.cfm

I had never heard of this before, this is an incredibly good link, thanks

!

Mark M · 21 Jan 2015 at 09:55

Slightly different but what if I paid the £200 deposit on a debit card (wife did it, not me as I was aware of this) but could I pay a further £100 off on the credit card and still be covered?

Hyburnate · 21 Jan 2015 at 14:04

Yes, as long as some of it is on the credit card.

areksnumbr1sxylady · 21 Jan 2015 at 14:33

just take it all on CC and pay off from debit on same day if you want.

s innes · 21 Jan 2015 at 14:33

wow never knew you could just pay part with cc and still have full cover nice read thanks op

a1ex2001 · 21 Jan 2015 at 14:38

s innes said:
wow never knew you could just pay part with cc and still have full cover nice read thanks op

Never knew that either, I would love to know the logic behind it all sounds odd to me!

Belly · 29 Jan 2015 at 19:30

Thanx for all your replies.