What this tool does

This checker helps you work out whether you have a valid Section 75 claim against your credit card provider. You answer a few quick questions about what you bought, how much you paid, and what went wrong, and it tells you in plain English whether your situation looks like it qualifies.

It is not legal advice, but it will save you reading pages of legislation to find out if it is worth making a claim.

When to use it

Use it if you paid for something on a credit card and the purchase has gone wrong in some way. That might be a retailer going bust before delivering your order, a holiday or flight that was cancelled, a tradesperson who took your deposit and disappeared, faulty goods the seller refuses to refund, or a service that was not provided as described.

It is aimed at people who paid between £100 and £30,000 for a single item or service on a UK credit card. If you used a debit card, a prepaid card, or PayPal funded by a bank transfer, Section 75 will not apply, though other protections like chargeback might. The tool will flag this where relevant so you know where to look next.

How it works

Answer around six short questions about your purchase, the payment method, and the problem. You will get an instant summary telling you whether your claim looks likely to qualify under Section 75, which points might cause the card company to push back, and what to do next if you want to make a claim. Nothing you enter is saved or shared, and you do not need to give your name, email address, or card details to use it.