Section 75: your rights when paying by credit card
Your credit card purchases may be covered if something goes wrong. Here we explain why, how it works and what you need to know.
When can I claim under Section 75?
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It applies when the total price of the goods or services is over £100 but not more than £30,000 and all or part of the purchase price was made using a credit card.
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Whether it's using your credit card for a deposit on a new kitchen or a new car, you may have Section 75 rights even if the part payment is £100 or less, if the total value of the item or service is over £100 but not more than £30,000.
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You can claim if you were using your credit card on holiday or buying from abroad. The over £100 but not more than £30,000 value rule still applies.
Where next?
Important legal information
Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065 Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.Visit the Lending Standards Board website.
We may monitor or record telephone calls to check out your instructions correctly and to help us improve the quality of our service. Calls from abroad are charged according to the telephone service provider’s published tariff. Not all Telephone Banking services are available 24 hours a day, 7 days a week. Please speak to an adviser for more information.
How much we lend and the issue of a credit card depends on an assessment of your circumstances. You must be 18 or over and a UK resident to apply.
Terms and conditions apply to all Lloyds Bank credit cards benefits. Full details will be sent with your card. After each introductory period ends you will be charged at the appropriate standard rate.
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