[jstanley]

Can you explain the credit thing?

Surely a credit provider is just lending you money?

Money is fungible.

If I have £100 already, and someone lends me an extra £100, and then I buy two things that both cost £100, and one of them is faulty, how do we determine whether the credit provider is responsible?

[joncrocks]

There are some extra protections on credit card purchases that you don't get from buying things with cash/debit cards

https://www.moneysupermarket.com/credit-cards/guide-to-credi...

[graemep]

It kicks in when the credit provider provides credit for that particular purchase. Common examples are credit card payments and car finance.