| > Which ones specifically? In the UK it's Section 75 of the Consumer Credit Act, 1974. > Under Section 75 of the Consumer Credit Act 1974, the credit card company is jointly and severally liable for any breach of contract or misrepresentation by the retailer or trader. > You don't have to reach a stalemate with the retailer or trader before you can contact your credit card provider - you can make a claim to both the retailer and credit card provider simultaneously, although you can't recover your losses from both. > This right is particularly useful if the retailer or trader has gone bust, or it doesn't respond to your letters or phone calls. > Section 75 of the Consumer Credit Act also applies to foreign transactions as well as goods bought online, by telephone or mail order for delivery to the UK from overseas. https://www.which.co.uk/consumer-rights/regulation/section-7... > If they are truly for free then I don't need to pay for them by virtue of having a credit card. But law says you only get these protections if you buy on credit. |