Do You Have Protection When You Buy Online With Your Credit Card?
More and more of us these days make a range of purchases online, and whilst some of these purchases may seem small and insignificant, others can be far more costly, such as tickets to events, flights, and more.
Being able to make purchases online offers ease and convenience, and many of us make the most of this facility. When making purchases online you can use either your debit or your credit card, but it is important to consider which is the best card to use in terms of protection, as you never know what might happen when you make a purchase online.Officials from Trading Standards have said that online shoppers can enjoy far more in the way of protection by making certain purchases with their credit card rather than their debit card.
Obviously if you are only doing your grocery shopping from Tesco then this is not really an issue, as it is unlikely that you shopping is going to go missing or be damaged to the point where you need to claim.
However, for things such as entertainment tickets or flights Trading Standards officers have said that credit card security is much higher and is the best option for increased protection.
Every year many people buy tickets for things like concerts online, and often everything runs smoothly. However, in some cases the tickets never arrive, and it turns out that the whole thing has been scam.
Those that have purchased with a credit card, however, can enjoy protection under the
Consumer Credit Act 1974; Section 75 purchase protection on credit cards, which enables them to claim for tickets as well as for other purchases between £100 and £30,000. This means that many people that may have been ripped off in ticket scams recently for events such as Reading and V festivals, or even the Olympics, may be able to claim their money back.The benefits of paying by credit card have also been highlighted recently as a result of the budget airline Zoom going bust. Whilst those that paid by cash for their flights have not protection, and those that paid by debit card may have protection, travellers that paid for their flights with a credit card will be able to enjoy full protection according to industry officials, which means that whilst their holiday plans may have been spoiled they will not lose out financially.
You can compare credit cards by the level of extra protection they offer, including added insurances and protection against fraud and for purchases.
By: Reno Charlton
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