Last updated: April 2026
Protection available
Your credit card company is jointly liable with the retailer. This is usually your strongest protection.
Section 75: Eligible
Credit card purchase in the qualifying GBP100-GBP30,000 range.
Chargeback: Eligible
Card scheme chargeback may apply. Act quickly because card providers usually need to raise it within 120 days.
Deadline: 31 August 2026 (105 days remaining)
Start with a Section 75 claim to your credit card provider, and ask about chargeback as a backup.
The Financial Ombudsman Service offers free, independent dispute resolution for complaints about card providers and lenders.
Contact FOS ->Section 75 is a legal right for qualifying credit purchases. Chargeback is a card scheme process that can work on debit and credit cards but is not a legal right.
Usually no. Paying through PayPal can break the direct debtor-creditor-supplier link needed for Section 75. Use PayPal buyer protection instead.
The usual window is around 120 days from the transaction date or expected delivery/service date, but scheme rules vary. Contact your bank quickly.
This calculator is designed to help you understand the likely number before you make a decision or start an application.
Your result should be checked against official UK guidance, especially if your circumstances include dependants, exemptions, prior leave, or a complex immigration history.
Treat the figure as a planning tool rather than legal advice. Where the answer affects an application deadline or major payment, speak to an authorised adviser.
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