The thing is thet have ARE MONEY NOW so they dont give a toss there joke/helpline is a mess.
When should I use it? A. This piece of legalese is fantastic protection, particularly during these credit crunch times. It means if you order something and if the retailer goes kaput, you can still claim your money back from the card company. Plus even if the problem is just non-delivery or faulty goods, you have exactly the same rights from the credit card company as from the retailer or flight company or supplier. Some typical examples…. * You order a vase from a store overseas that never arrives * You buy flight tickets direct from an airline that goes bust * You buy a radio from a shop take it home and it’s faulty In all of these your card lender is jointly liable for a refund. Therefore if you’re buying something or ordering tickets or flights worth over £100, pay for some or all of it on the card to ensure you’re protected. Though do keep your receipts as well as the credit card statement to make it easier. It's worth remembering that sometimes you might not be able to protect yourself, for example if you pay a monthly fee of under £100 to a company that goes into administration. Yet the maximum loss should be £100 and a bit of inconvenience, which in the wider state of the economy at the moment is not such as bad loss. Always check the options below in case though.