Credit Card Insurance

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pussyfoot | 15:47 Wed 13th Oct 2021 | Personal Finance
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Hi, I want to buy a used car online, if I paid for half of it via credit card and the rest from a debit account will the credit card cover all of it or just the half I've paid via the credit card. I've never bought a car this way before or spent that much on a card but as the car is miles away it's the only way I can do it. I'll probably pay it off quite quickly.
In case it makes a difference the car is from Cazoo.
Thank you


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from which - To claim under Section 75 of the Consumer Credit Act, the item or service you bought must have cost over £100 and not more than £30,000.

You don't have to have paid the full amount on your credit card – the card company is liable even if you made only part of the payment (a deposit, say) on your card.
It seems illogical to me but the good news for you is that the Section 75 protection you get from using your credit card applies to the full amount and not to just the half that you used it to pay for.

See here:
put the amount you are going to pay with the debit card into your credit card account then pay the whole lot on the credit card.
Not feasible. You cannot have a surplus balance on a credit card, it will just be repaid into your account.
Your answer assumes the cc is currently 0 balance jd. Plus I've had a 17p credit on my cc for 2 years!
Most credit card accounts have T&Cs which do not allow payments resulting in a negative balance (i.e. significantly increasing the available credit) exclusive of refunds of previous transactions.

Furthermore, a large sum added to the account would most likely trigger anti-fraud procedures that could lock the account.
JD, not true they don't like it but they'll take the dosh.

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