Section 75 of the Consumer Credit Act shields credit card users in England, Scotland, and Wales for purchases ranging from £100 to £30,000. This protection remains valid even if only a portion of the transaction is conducted using the credit card, such as a deposit.

Section 75 extends to cases where only a deposit is made via credit card. For example, if a £200 item is bought with a £20 credit card deposit and the remainder through other means, the entire sum is safeguarded. This ensures consumers can claim reimbursement for the full amount, including additional expenses, if the purchased goods are defective or fail to arrive.

Section 75 acts as a safety measure for consumers when using credit cards within the specified price range. It holds both credit card companies and sellers accountable, offering resolution in instances of non-delivery, product defects, or misrepresentation. This legal provision ensures consumers have financial security and avenues for recourse in transactional disputes, regardless of payment method.