Whose got the trousers on?

[Gentile]

As usual Gentile argues her points like a woman whos never going to get a fella.

Is that one of the other exclusive 'benefits' that you think comes from using a credit card? Since you probably do need to pay anyone of the opposite sex to be with you, perhaps in your case that is indeed true.

[Old Hack]

What extra protection do you think Section 75 provides? This article contains a fairly good summary of the differences between Section 75, Chargeback, and the security/insurance provided by other payment methods. The only material difference between Section 75 and Chargeback appears to be that in some cases some providers don't cover items less than £100. Conversely, purchases over £30k aren't covered by Section 75 but are covered by Chargeback. The one time I had to make a claim (because the item didn't arrive and the vendor's 'help' line was anything but), the item cost less than £100, and my Visa Debit provider (First Direct) still covered it with no quibbles.

If you and I applied for a credit card today, you would pay more than double the interest I would.

That not an advantage?

[mudskipper]

What extra protection do you think Section 75 provides? This article contains a fairly good summary of the differences between Section 75, Chargeback, and the security/insurance provided by other payment methods. The only material difference between Section 75 and Chargeback appears to be that in some cases some providers don't cover items less than £100. Conversely, purchases over £30k aren't covered by Section 75 but are covered by Chargeback. The one time I had to make a claim (because the item didn't arrive and the vendor's 'help' line was anything but), the item cost less than £100, and my Visa Debit provider (First Direct) still covered it with no quibbles.

Your link doesn't work for me.

However, there's a nice summary here Visa / Mastercard chargeback: Protection for debit card purchases...

The main difference for most purchases is the cover for future issues - you're not restricted to 120 days.
But a huge difference is that section 75 covers you for the whole cost even if you only pay part on your card. Both these issues apply to a news story recently where a woman had the whole cost of her PPI implants refunded under section 75 because she'd paid the deposit for the procedure on her card. It had been 18 months earlier, so she would have got zilch on chargeback.

[Gentile]

Your link doesn't work for me.

However, there's a nice summary here Visa / Mastercard chargeback: Protection for debit card purchases...

The main difference for most purchases is the cover for future issues - you're not restricted to 120 days.
But a huge difference is that section 75 covers you for the whole cost even if you only pay part on your card. Both these issues apply to a news story recently where a woman had the whole cost of her PPI implants refunded under section 75 because she'd paid the deposit for the procedure on her card. It had been 18 months earlier, so she would have got zilch on chargeback.

Well, that's certainly a valid benefit. I can't argue with that. Your article does also highlight that whilst I've been perfectly happy with the way any enquiries I've made under Chargeback have been handled by my own bank, not all banks that issue Visa Debits are as diligent. Possibly because banks don't have a legal obligation to provide the cover that my bank has provided. You can take any complaints to the Financial Ombudsman if your bank doesn't pay up, of course, and under most cases that are covered by Section 75 I think your complaint would be upheld, but it would still be a hassle if you had to go down that road. I couldn't find any info on cases where you'd only made partial payment using a Debit card and the goods were faulty. Though I suspect in that case as you say that the full cost wouldn't be covered. The Sale of Goods Act would still apply, though.

[escapeUK]

Well, that's certainly a valid benefit.

So you were naive?

[Gentile]

So you were naive?

No, dear. That there is what grown-ups do when someone makes a point that informs them of something useful, verifiable and that they didn't actually know. By contrast, all you've done is demonstrate your own naivety by making apocryphal statements about how the credit card marketing people told you that not having a credit card meant you'd never get a mortgage or a car loan. Pfffft!!

[EternalOptimist]

I wonder if there are any on here who had or have one and wish they didn't.

trouser wearer or not

[mudskipper]

I wonder if there are any on here who had or have one and wish they didn't.

trouser wearer or not

You can have an op for that. PM NLadyUK for details.

[escapeUK]

No, dear. That there is what grown-ups do when someone makes a point that informs them of something useful, verifiable and that they didn't actually know. By contrast, all you've done is demonstrate your own naivety by making apocryphal statements about how the credit card marketing people told you that not having a credit card meant you'd never get a mortgage or a car loan. Pfffft!!

It takes a big woman to admit she was wrong.

[Sysman]

I actually don't use them too much as Germany is still very much a cash based society (i.e if I went into Media Markt or Saturn to buy gadgets I would have to pay cash.)

Same in Switzerland, it's a very cash based society, but that is changing. About 5 years ago the Swiss Railways (SBB) started pushing credit cards in a big way; you get an application form each time your half price pass comes up for renewal, with a discount if you take up their offer. They are obviously doing this to try and shift people to paying for tickets online or via smart phones.

Likewise at least one department store (Manor) is offering their own credit cards, tied into a loyalty card scheme. Again, good discounts are available to entice you to get one. I am pretty sure this lot will be accumulating data on your spending patterns.