11. Section 75 credit card protection
Transactions made by credit card are ‘linked agreements’ under the Consumer Credit Act 1974 (CCA 1974). This means credit card companies can be held responsible for misrepresentation and for defective goods or services costing between £100 and £30,000 if the seller is unwilling to remedy the situation. This could include a claim for damages due as a consequence of the misrepresentation or other breach.1s75 CCA 1974 The credit card company has equal responsibility (or ’liability’) with the seller if there is a problem with the things bought or if the company clients have bought from fails.