They said this… · Banking & payments

“Section 75 only applies if the whole purchase price was paid on the credit card”

Generally incorrect

A qualifying Section 75 claim can exist even where only part of the purchase price was paid using the relevant credit arrangement, subject to the statutory conditions.

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Why this answer

What actually matters

  • The cash price limits and debtor-creditor-supplier relationship must still be satisfied.
  • The claim is based on breach of contract or misrepresentation by the supplier.
  • How payment intermediaries affect the chain can be fact-sensitive.

What you could say

Keep the response tied to the actual rule.

Evidence

What to have beside you

  • Card statement and transaction record
  • Underlying contract/order and evidence of breach or misrepresentation
  • Correspondence with the supplier
  • Bank decision and the scheme or legal basis it says it applied

If they still refuse

Move the dispute forward.

  1. Ask the bank to identify whether it assessed Section 75, chargeback or another route.
  2. Keep the underlying merchant evidence: the bank cannot sensibly assess the derivative dispute without it.
  3. Escalate eligible complaints to FOS after the firm’s complaint process.

Read the full rules

Go deeper before escalating.

Primary guideRead the detailed ConsumerWise guidance.Section 75Read the full guide.ChargebackRead the full guide.Banking & PaymentsRead the full guide.