Credit Card V Debit Card

[cassa333]

If you pay on a credit card you can claim back from the bank if anything goes wrong.

Do you still have the same with a debit card?

[woofgang]

I don't think so, its like paying cash.

[Xeronema]

Cassa333: Credit card transactions over £100 are covered by the bank. Debit cards can also be covered - read this: http://www.which.co.uk/consumer-rights/problem/how-do-i-use-chargeback

[Xeronema]

If you pay for something under £100 on your credit card then you don't have the security of trying to claim back, fraud etc.

[Bazile]

https://www.citizensadvice.org.uk/consumer/different-ways-of-buying/buying-goods-and-services-on-credit-or-by-debit-card/extra-protection-when-you-buy-on-credit-or-debit-card/extra-protection-when-you-buy-with-a-debit-card/

[woofgang]

So if what I have read is correct, the answer is not really. If the seller is signed up then you may be able to use a chargeback scheme where you can have the money back through the bank, but there is no possibility of using equal liability legislation.

[Old_Geezer]

I'm no expert but I suspect it might depend. Suppose the seller used your details to claim you'd bought loads of things ? Does the bank have a duty to spot & delay action on suspicious activity ?

[woofgang]

fraud like that is different OG. provided that you have taken reasonable care, ie not shared or written down your pin code, banks do cover loss by fraud.

[Old_Geezer]

Ah.

Sellers need no PIN as remote purchases are common.

[Peter Pedant]

googling the catch phrase

equal liability legislation - used by Woofie
gives some good sites

and it seems obvious that it is s75 of the credit act that gives the credit card companies the duty does not apply to banks

Paul thingey on Money box live Beeb 4 raps on about the difference and the lack of cover with a debit card. - you are better covered with a credit card.