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by sgjohnson 1383 days ago
Point 1 is a complete non-issue with a credit card, especially in the UK, where the Section 75 process is quite streamlined, but either way that liability would fall on the issuing bank/insurer at that point.

2. Also a non-issue with a credit card. If you clear your balance in full, it doesn’t really matter that they might take some extra time in getting that money back to you.

So... Just get a credit (or a charge) card?
1 comments
Arnt 1383 days ago
I googled a bit now and found several pages written by people who say that you can do a chargeback in these cases, and also found several pages by people who didn't manage to do it. Guess what I did not find.
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sgjohnson 1383 days ago
What didn’t you find?
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Arnt 1383 days ago
I searched in German and Italian about the Swissair, Air Berlin and Alitalia debacles, and I did not find any news articles that said that credit card customers had received their money back.

Come to think of it, there might also be a press release or ad-hoc exchange notice saying "banks had to refund x billions due to visa chargebacks", I could have searched for it, so why not now? I found https://ec.europa.eu/info/sites/default/files/chargeback_rep... now, which appears to imply that if you win the dispute (should be easy), your chargeback becomes a claim against the bankrupt airline and you'll get something or nothing, depending on how much is left in the airline.

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sgjohnson 1383 days ago
> your chargeback becomes a claim against the bankrupt airline and you'll get something or nothing, depending on how much is left in the airline.

No, you get your money back, and the bank now has a claim against the airline.

I haven't been through this exact scenario in my life, but I've been in plenty of non-delivery situations, however, I can't make a good faith claim that they were flat-out chargebacks, because on all of the cards that I made the purchases with, purchase protection or insurance was a listed benefit, namely on the Amex Platinum.

But there must be a card with similar chargeback benefits that's available to everyone in basically every EU country.

Nevertheless, there are plenty of opportunities to get your money back in such a situation.

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