Glossary · Credit

Section 75

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Content updated: 26 May 2026

By the Money Guide editorial team · Editorial responsibility: Kaiser Khan, Editorial Director · How we check facts

Definition: A consumer-credit protection that makes the credit card issuer jointly liable with the retailer for purchases between £100 and £30,000 paid for (even partly) by credit card.

Applies to faulty goods, non-delivery, and supplier insolvency. Does not apply to debit cards (where chargeback through the card scheme is the route) or to BNPL outside the £100 threshold.

Primary source: legislation.gov.uk/ukpga/1974/39/section/75

More Credit terms

APR (Annual Percentage Rate)
BNPL (Buy Now Pay Later)
CCJ (County Court Judgment)
Default (credit)

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