{"id":99412,"date":"2018-04-04T21:56:26","date_gmt":"2018-04-04T20:56:26","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=99412"},"modified":"2026-05-11T05:36:57","modified_gmt":"2026-05-11T04:36:57","slug":"what-happens-when-you-get-a-credit-card-refund","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/what-happens-when-you-get-a-credit-card-refund","title":{"rendered":"What happens if you need a credit card payment refund?"},"content":{"rendered":"<p>Regardless of how you pay for an item, you&#8217;re entitled to a full refund on faulty goods within 30 days. After 30 days, you&#8217;re entitled to a repair or replacement for up to 6 months.<\/p><p>If you&#8217;ve just changed your mind, you don\u2019t have a right to a refund under the Consumer Rights Act, although many retailers offer refund or exchange within a certain time limit as part of their returns policy.<\/p><p>But what happens if the retailer&#8217;s gone bust or won&#8217;t respond? If you paid with a credit card, there&#8217;s extra protection. Our guide explains why, and how to make a claim.<\/p><h3>Why are credit card refunds different?<\/h3><p>One of the main advantages of buying things on a <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/best-credit-cards\">credit card<\/a> rather than a debit card is that if you need a refund because something is not as described or faulty, or the retailer goes bust, the credit card provider, not just the retailer, is responsible for making sure you&#8217;re not out of pocket.<\/p><p>This is because of section 75 of the Consumer Credit Act, 1974 &#8211; which people often refer to just as &#8220;section 75&#8221;. This states that when you pay for an item that&#8217;s worth between \u00a3100 and \u00a330,000 on a credit card, the card provider is jointly liable with the retailer if you don\u2019t get what you paid for. This is the case even if you just paid a deposit on the card that was less than \u00a3100, as long as the item cost over \u00a3100.<\/p><p>The purpose of this legislation is to protect people from going into debt for things they didn\u2019t receive, or were not as described.<\/p><h3>When might I need to use section 75?<\/h3><ul><li>If the retailer has gone bust, leaving you without goods already paid for.<\/li><li>If you receive an item that is not as described and the retailer rejects your refund request.<\/li><li>If you receive an item that is faulty or not fit for purpose and the retailer rejects your refund request.<\/li><\/ul><h3>How do I get a credit card refund?<\/h3><p>The best course of action for your transaction dispute process will depend on whether or not the merchant is still trading.<\/p><h4>If the retailer is no longer trading:<\/h4><ul><li>Go straight to the credit card provider \u2013 either call them and say you would like to make a claim under section 75 (they will usually send you a form to fill in) or log in to your internet banking locate the transaction in your account history and look for an option to &#8220;query this transaction&#8221; or similar.<\/li><li>If the retailer has entered administration after you have paid for goods but before their arrival, you can still make a claim, based on an anticipated failure of the company to deliver.<\/li><li>If you are making a claim because of a fault, the credit card company might ask you to arrange an independent report to verify the fault. If the fault is confirmed, it should refund you the cost of this as well.<\/li><\/ul><h4>If the retailer is still trading:<\/h4><ul><li>You don\u2019t need to go to the card provider straight away if the retailer is still trading \u2013 first, request a refund from the retailer in the usual way but stating that you are making a claim &#8220;under section 75 of the Consumer Credit Act&#8221;.<\/li><li>It\u2019s only if this is declined or the retailer doesn\u2019t respond that you should contact the credit card provider.<\/li><li>If you have no luck going directly to the retailer, write to the credit card provider giving as many details as possible about the purchase: what you bought, when you bought it, from which retailer. Give receipts if possible and details of what went wrong, such as your goods didn\u2019t arrive or were not as described. Also state that you have contacted the retailer and give details of its reply.<\/li><li>If this refund claim is rejected by the credit card provider and you think the decision is unfair, you could make a claim with the <a href=\"http:\/\/www.financial-ombudsman.org.uk\/\" target=\"new\" rel=\"follow noopener noreferrer\">Financial Ombudsman Service<\/a>.<\/li><\/ul><p>It&#8217;s important to note that time restrictions can apply to certain types of claim \u2013 in other words you may have a limited window in which it is possible to initiate the refund process (often 120 days). Although your card issuer may not be legally obliged to offer a refund after this point, depending on its policies, it may still consider your claim.<\/p><h3>Can I get a credit card refund in cash or transferred to my account?<\/h3><p>Yes, you should generally be able to get any refunded credit is transferred to your current account by BACS payment, or sent to you via cheque. You&#8217;ll need to contact your credit card provider directly to request the credit is transferred. <\/p><p>You&#8217;re also free to use the refunded credit amount on day-to-day spending or purchases, as you would with your normal credit limit. However, there are a few drawbacks to doing so.<\/p><p>Any excess credit on your card will not be covered by Section 75, which means you won&#8217;t be protected if you have your card stolen or need to request another credit card refund in future. If you choose to withdraw the refunded amount at an ATM, you&#8217;re also likely to be charged a fee. <\/p><h3>What is (and isn\u2019t) covered by section 75<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4>Covered:<\/h4><ul class=\"list-4\"><li>Items priced at more than \u00a3100, even if you paid for only some of it on credit card. So if you paid \u00a330 on a credit card but the item was for sale at \u00a3150, you are entitled to a refund of the full amount.<\/li><li>Purchases in the last 6 years.<\/li><li>Purchases made abroad or goods from abroad.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4>Not covered:<\/h4><ul class=\"list-13\"><li>Debit cards, charge cards, company credit cards and store cards.<\/li><li>Items that cost less than \u00a3100 or more than \u00a330,000.<\/li><li>Purchases made via a third party, such as Groupon, PayPal or Amazon. The relationship has to be direct between the card holder and the retailer.<\/li><li>Multiple items. The purchase has to be of a single item. So if you buy 5 festival tickets in one go and the event is cancelled because the organiser goes bust, you may only be entitled to a refund for 1.<\/li><li>If the purchase was made by an additional cardholder (such as your husband or wife) on your card, but was for someone else\u2019s benefit, ie. a gift for a friend.<\/li><\/ul><\/div><\/div><h4>Credit card refund case studies<\/h4><p><strong>You bought flight tickets and the airline goes bust.<\/strong> You should be entitled to a refund from the credit card provider for the flights.<\/p><p><strong>You buy a car for \u00a38,000 and put the \u00a3350 deposit on your credit card.<\/strong> You are covered for the whole amount.<\/p><p><strong>You buy a kitchen on credit but the doors are wobbly.<\/strong> You make a claim to the retailer but it refuses your request, saying the wobbly doors have been caused by your misuse. You make a claim to the credit card provider, which asks you to arrange an independent report. The report states that the wobbly doors are a manufacturers fault and the credit card provider agrees to issue you a refund.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">I used my debit card instead of my credit card but need a refund \u2013 is there anything I can do?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">With debit cards, providers can arrange something called a \u201cchargeback\u201d, where they reverse the payment made to the retailer. This isn\u2019t a legal requirement, but is common practice for big card processors such as Visa and Mastercard. However there\u2019s usually a time limit of four months for chargeback requests, so they are a bit less reliable than section 75 requests.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">The retailer is disputing that the item is not as described. Can I still get a refund from the credit card provider?\u2028<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">The credit card provider will make its own decision about whether the item is not as described or faulty based on all of the available information, so it may disagree with the retailer and support your judgment. Either you or the provider can suggest an independent report to verify the fault.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">My item costs less than \u00a3100. Can I still make a claim?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">You could still benefit from the chargeback process, explained above, if you bought an item costing less than \u00a3100 on a credit card.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">How long will the refund take?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\">There\u2019s no set time limit on how long a credit card provider has to make the refund.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">What if the credit card provider rejects my claim?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\">If you think the decision is unfair and have evidence to support your case, you may take it to the Financial Ombudsman Service.<\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>One of the main advantages of buying things on a credit card rather than a debit card is that if you need a refund because something is faulty, or the retailer goes bust, the credit card provider, not just the retailer, is liable to compensate you for any loss. <\/p>\n","protected":false},"author":195,"featured_media":99413,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2112],"tags":[],"asset_tag":[],"class_list":["post-99412","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Credit card payment refunds in 2026 | Finder UK<\/title>\n<meta name=\"description\" content=\"How to get a credit card refund through section 75, which transactions can be refunded and how long it takes to get your money.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/what-happens-when-you-get-a-credit-card-refund\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What happens if you need a credit card payment refund?\" \/>\n<meta property=\"og:description\" content=\"How to get a credit card refund through section 75, which transactions can be refunded and how long it takes to get your money.\" 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month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.\",\"email\":\"heythere@finder.com\",\"legalName\":\"Finder\",\"foundingDate\":\"2006-01-01\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/2bcd9231d1c1e8ed47cffe934574b9ad\",\"name\":\"Chris Lilly\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/ChrisLillyF1_Finder_600x600.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/11\/ChrisLillyF1_Finder_600x600.png\",\"caption\":\"Chris Lilly\"},\"description\":\"Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more.\",\"sameAs\":[\"https:\/\/twitter.com\/ChrisLillyCL\",\"https:\/\/www.linkedin.com\/in\/chris-lilly-46a15627\/\"],\"url\":\"https:\/\/www.finder.com\/uk\/author\/chrislilly\",\"jobTitle\":\"Head of publishing\",\"knowsAbout\":[{\"@type\":\"Thing\",\"name\":\"Loans & credit cards\"},{\"@type\":\"Thing\",\"name\":\"Building credit\"},{\"@type\":\"Thing\",\"name\":\"Financial health\"},{\"@type\":\"Thing\",\"name\":\"Share trading\"}],\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/2fad4fd06edd1a94b4f85800c24ee764\",\"name\":\"Liz Edwards\",\"description\":\"Liz Edwards has been a widely quoted consumer writer and editor for more than 20 years. She led several teams at the campaigning publisher Which?, and leads a multiple award-winning team at Finder. 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And she loves puns.\",\"jobTitle\":\"Editor-in-chief\",\"url\":\"https:\/\/www.finder.com\/uk\/author\/lizedwards\",\"sameAs\":[\"https:\/\/twitter.com\/lizedwards8\",\"https:\/\/www.linkedin.com\/in\/liz-edwards-020b111b\/\",\"https:\/\/muckrack.com\/liz-edwards-2\"],\"knowsAbout\":[{\"@type\":\"Thing\",\"name\":\"Consumer rights and protection\"},{\"@type\":\"Thing\",\"name\":\"Saving money\"},{\"@type\":\"Thing\",\"name\":\"Buy now, pay later\"},{\"@type\":\"Thing\",\"name\":\"Insurance\"},{\"@type\":\"Thing\",\"name\":\"Consumer trends\"}],\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\/2fad4fd06edd1a94b4f85800c24ee764\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2021\/07\/lizedwards_Finder_600x600.jpeg\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2021\/07\/lizedwards_Finder_600x600.jpeg\",\"caption\":\"Liz Edwards\"},\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\"}},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/what-happens-when-you-get-a-credit-card-refund#comment-28845\",\"author\":{\"@type\":\"Person\",\"name\":\"Tom Stelzer\"},\"text\":\"Hi Alex,\\n\\nThanks for your question. Before you contact American Express for a refund, it's worth getting in touch with the airline directly, as most airlines now have detailed refund policies on flights affected by the coronavirus pandemic. You will generally be given the choice of a refund, credit for another flight, or the ability to rebook your flights for a later date. \\n\\nIf the airline is refusing to offer compensation or a refund, it would then be worth contacting Amex to request a refund.\\n\\nI hope this helps, but please let me know if you have any other questions.\\n\\nRegards,\\n\\nTom\",\"datePublished\":\"2020-04-21 10:42:14\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/what-happens-when-you-get-a-credit-card-refund#comment-28652\",\"author\":{\"@type\":\"Person\",\"name\":\"Sandra\"},\"text\":\"I have been refunded on my credit for several things which were cancelled due to lockdown, however  I had paid off my purchases at time of buying, how do I convert my credit card refunds back to cash as all are sitting as a credit on my card. thank you.\",\"datePublished\":\"2020-04-14 17:55:48\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/what-happens-when-you-get-a-credit-card-refund#comment-27929\",\"author\":{\"@type\":\"Person\",\"name\":\"Sam\"},\"text\":\"I have booked flights to Spain on the 17th to the 20th April via Easy jet. Also booked a hotel direct with Iberostar. The hotel are saying I can change the date but to when, I don't know, so I would like a refund.\\r\\nEasy jet, there website simply says change the date and pay any difference, however, same issue.\\r\\nSo I would like to cancel both, if the two companies won't refund would I be in my rights to go to Tesco credit Card company and ask them to refund, I paid through Tesco.\",\"datePublished\":\"2020-03-17 17:28:18\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/what-happens-when-you-get-a-credit-card-refund#comment-6955\",\"author\":{\"@type\":\"Person\",\"name\":\"Nick\"},\"text\":\"So I made a purchase with an online retailer a few days ago and having not heard anything about the status of my order after 3 days, I decided to do some research (should have done this first, hind-sight is a marvelous thing) and there are countless reviews on review sites saying that they never received items, item's weren't new etc, etc and that the communication with the company is near non-existent.\\r\\n\\r\\nWhilst I'm not resounding myself yet to the fact I've been scammed (I'm an optimistic guy), I am starting to see what I'll need to do to get my money back, should the need arise.  I paid with my CC, however in the details above, you mention that there's no cover if you pay by third party.  They are using a company called Adyen to process their credit card payments, but as it's not direct with the retailer, would they be classed as 3rd party or will I still be able to claim should I need to?  I'm guessing all retailers have to have a payment processing company, right?\\r\\n\\r\\nI'm normally such a careful person, and whilst it's still early days with the order, this experience has un-nerved me a bit in the world of Internet Shopping.  Any advice you can provide me with would be appreciated.\",\"datePublished\":\"2018-10-04 10:45:28\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/what-happens-when-you-get-a-credit-card-refund#comment-6268\",\"author\":{\"@type\":\"Person\",\"name\":\"Prasad\"},\"text\":\"I bought something on Indiegogo which is a crowdfunding source for startup companies. The campaigners have gone quiet after initial responses\/updates. Am I entitled to a refund through credit card company if there is no response from the campaigners for a refund?\",\"datePublished\":\"2018-09-13 17:48:56\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/what-happens-when-you-get-a-credit-card-refund#comment-5542\",\"author\":{\"@type\":\"Person\",\"name\":\"Ian\"},\"text\":\"I have just been badly scammed, by a very smart and crafty company.\\nI bought a drone from an advert on King Candy Crush, it was a one off, today only (I know) 95% reduction from \u00a31200 to $99 (\u00a375) the trailer was fantastic advertising this drone, and I thought it would be perfect for use around the farm.\\nWhat eventually arrived after a long wait was mini toy drone ,\u00a315\/20 max I returned it straight away to the clearly marked return address on the packaging, a ware house in Oldham, who are obviously distributers for a Hong Kong based company, I have heard nothing back, where do I go from here\\nKind Regards Ian Mackay.\",\"datePublished\":\"2018-08-23 11:00:50\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/credit-cards\/what-happens-when-you-get-a-credit-card-refund#comment-4137\",\"author\":{\"@type\":\"Person\",\"name\":\"M1970\"},\"text\":\"I've been given a Mastercard Credit Card Refund, (for a partial amount, less than the amount I paid),  from service provider relating to a service I bought from them that I was unhappy about, The refund cleared last week but the service provider has now changed their mind and said they made a mistake and shouldn't have refunded me! CAN THEY TAKE BACK the refund they have already issued and has cleared onto my Balance?\",\"datePublished\":\"2018-06-11 12:15:16\"}]}<\/script>\n<meta property=\"article:modified_time\" content=\"2023-10-12T17:36:24+00:00\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Credit card payment refunds in 2026 | Finder UK","description":"How to get a credit card refund through section 75, which transactions can be refunded and how long it takes to get your money.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.finder.com\/uk\/credit-cards\/what-happens-when-you-get-a-credit-card-refund","og_locale":"en_GB","og_type":"article","og_title":"What happens if you need a credit card payment refund?","og_description":"How to get a credit card refund through section 75, which transactions can be refunded and how long it takes to 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In his spare time Chris likes forcing his kids to exercise more.","sameAs":["https:\/\/twitter.com\/ChrisLillyCL","https:\/\/www.linkedin.com\/in\/chris-lilly-46a15627\/"],"url":"https:\/\/www.finder.com\/uk\/author\/chrislilly","jobTitle":"Head of publishing","knowsAbout":[{"@type":"Thing","name":"Loans & credit cards"},{"@type":"Thing","name":"Building credit"},{"@type":"Thing","name":"Financial health"},{"@type":"Thing","name":"Share trading"}],"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/2fad4fd06edd1a94b4f85800c24ee764","name":"Liz Edwards","description":"Liz Edwards has been a widely quoted consumer writer and editor for more than 20 years. She led several teams at the campaigning publisher Which?, and leads a multiple award-winning team at Finder. Liz has covered a range of consumer rights and personal finance topics including pensions, credit, banking and insurance. Liz has appeared frequently in national media such as The Sun, The Mail, MSN, Metro, HuffPost and The Independent. She loves to cut through waffle to give consumers the real lowdown. And she loves puns.","jobTitle":"Editor-in-chief","url":"https:\/\/www.finder.com\/uk\/author\/lizedwards","sameAs":["https:\/\/twitter.com\/lizedwards8","https:\/\/www.linkedin.com\/in\/liz-edwards-020b111b\/","https:\/\/muckrack.com\/liz-edwards-2"],"knowsAbout":[{"@type":"Thing","name":"Consumer rights and protection"},{"@type":"Thing","name":"Saving money"},{"@type":"Thing","name":"Buy now, pay later"},{"@type":"Thing","name":"Insurance"},{"@type":"Thing","name":"Consumer trends"}],"image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\/2fad4fd06edd1a94b4f85800c24ee764","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2021\/07\/lizedwards_Finder_600x600.jpeg","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2021\/07\/lizedwards_Finder_600x600.jpeg","caption":"Liz Edwards"},"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder"}},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/credit-cards\/what-happens-when-you-get-a-credit-card-refund#comment-28845","author":{"@type":"Person","name":"Tom Stelzer"},"text":"Hi Alex,\n\nThanks for your question. Before you contact American Express for a refund, it's worth getting in touch with the airline directly, as most airlines now have detailed refund policies on flights affected by the coronavirus pandemic. You will generally be given the choice of a refund, credit for another flight, or the ability to rebook your flights for a later date. \n\nIf the airline is refusing to offer compensation or a refund, it would then be worth contacting Amex to request a refund.\n\nI hope this helps, but please let me know if you have any other questions.\n\nRegards,\n\nTom","datePublished":"2020-04-21 10:42:14"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/credit-cards\/what-happens-when-you-get-a-credit-card-refund#comment-28652","author":{"@type":"Person","name":"Sandra"},"text":"I have been refunded on my credit for several things which were cancelled due to lockdown, however  I had paid off my purchases at time of buying, how do I convert my credit card refunds back to cash as all are sitting as a credit on my card. thank you.","datePublished":"2020-04-14 17:55:48"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/credit-cards\/what-happens-when-you-get-a-credit-card-refund#comment-27929","author":{"@type":"Person","name":"Sam"},"text":"I have booked flights to Spain on the 17th to the 20th April via Easy jet. Also booked a hotel direct with Iberostar. The hotel are saying I can change the date but to when, I don't know, so I would like a refund.\r\nEasy jet, there website simply says change the date and pay any difference, however, same issue.\r\nSo I would like to cancel both, if the two companies won't refund would I be in my rights to go to Tesco credit Card company and ask them to refund, I paid through Tesco.","datePublished":"2020-03-17 17:28:18"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/credit-cards\/what-happens-when-you-get-a-credit-card-refund#comment-6955","author":{"@type":"Person","name":"Nick"},"text":"So I made a purchase with an online retailer a few days ago and having not heard anything about the status of my order after 3 days, I decided to do some research (should have done this first, hind-sight is a marvelous thing) and there are countless reviews on review sites saying that they never received items, item's weren't new etc, etc and that the communication with the company is near non-existent.\r\n\r\nWhilst I'm not resounding myself yet to the fact I've been scammed (I'm an optimistic guy), I am starting to see what I'll need to do to get my money back, should the need arise.  I paid with my CC, however in the details above, you mention that there's no cover if you pay by third party.  They are using a company called Adyen to process their credit card payments, but as it's not direct with the retailer, would they be classed as 3rd party or will I still be able to claim should I need to?  I'm guessing all retailers have to have a payment processing company, right?\r\n\r\nI'm normally such a careful person, and whilst it's still early days with the order, this experience has un-nerved me a bit in the world of Internet Shopping.  Any advice you can provide me with would be appreciated.","datePublished":"2018-10-04 10:45:28"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/credit-cards\/what-happens-when-you-get-a-credit-card-refund#comment-6268","author":{"@type":"Person","name":"Prasad"},"text":"I bought something on Indiegogo which is a crowdfunding source for startup companies. The campaigners have gone quiet after initial responses\/updates. Am I entitled to a refund through credit card company if there is no response from the campaigners for a refund?","datePublished":"2018-09-13 17:48:56"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/credit-cards\/what-happens-when-you-get-a-credit-card-refund#comment-5542","author":{"@type":"Person","name":"Ian"},"text":"I have just been badly scammed, by a very smart and crafty company.\nI bought a drone from an advert on King Candy Crush, it was a one off, today only (I know) 95% reduction from \u00a31200 to $99 (\u00a375) the trailer was fantastic advertising this drone, and I thought it would be perfect for use around the farm.\nWhat eventually arrived after a long wait was mini toy drone ,\u00a315\/20 max I returned it straight away to the clearly marked return address on the packaging, a ware house in Oldham, who are obviously distributers for a Hong Kong based company, I have heard nothing back, where do I go from here\nKind Regards Ian Mackay.","datePublished":"2018-08-23 11:00:50"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/credit-cards\/what-happens-when-you-get-a-credit-card-refund#comment-4137","author":{"@type":"Person","name":"M1970"},"text":"I've been given a Mastercard Credit Card Refund, (for a partial amount, less than the amount I paid),  from service provider relating to a service I bought from them that I was unhappy about, The refund cleared last week but the service provider has now changed their mind and said they made a mistake and shouldn't have refunded me! CAN THEY TAKE BACK the refund they have already issued and has cleared onto my Balance?","datePublished":"2018-06-11 12:15:16"}]},"article_modified_time":"2023-10-12T17:36:24+00:00"},"custom_fields":{"_content_type":["niche-content\/information\/how-to"],"_masthead_variant":["{\"id\":\"standard-blue\",\"showFeaturedImage\":false,\"presetId\":\"\",\"shouldUsePrimaryCTAFieldName\":false,\"shouldUseSecondaryCTAFieldName\":false,\"primaryCTA\":null,\"secondaryCTA\":null,\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\"}"],"_masthead_subheading":["{\"text\":\"Buying things on a credit card can be a sensible decision, because it gives you more protection than  debit card if things go wrong, like your item doesn&rsquo;t show up or is faulty.\"}"],"custom_post_template":["single-masthead-two-column.php"]},"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/99412"}],"collection":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/users\/195"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/comments?post=99412"}],"version-history":[{"count":11,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/99412\/revisions"}],"predecessor-version":[{"id":509482,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/99412\/revisions\/509482"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/media\/99413"}],"wp:attachment":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/media?parent=99412"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/categories?post=99412"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/tags?post=99412"},{"taxonomy":"asset_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/asset_tag?post=99412"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}