Chargeback vs Section 75: Which Refund Path Works Best?

Ever bought something online, got stuck with a dodgy product, and wondered how to get your cash back? You’ve probably heard two names: chargeback and Section 75. Both can rescue your money, but they work differently, cover different situations, and have distinct timelines. Let’s break it down so you can pick the right tool without wasting time.

What is a chargeback?

A chargeback is a request you make to your bank or card issuer saying, “Hey, this purchase was a nightmare, please reverse the payment.” It’s part of the card network rules (Visa, Mastercard, etc.) and kicks in fast—usually within a few weeks. You can use it for anything from a non‑delivered item to a service you never got. The bank reviews the claim, contacts the merchant, and if they side with you, the amount is credited back to your card.

Understanding Section 75

Section 75 is a UK law that holds the credit card company itself liable for purchases over £100 and up to £30,000. If the seller breaches the contract—like sending the wrong product or refusing a refund—you can demand the money from your card provider. Unlike a chargeback, you’re actually suing the bank under consumer law, so the process can be a bit slower but offers stronger legal backing. You’ll need proof of the breach and the original contract, and you may have to go through a formal complaint before a court step.

So, when should you choose one over the other? If the amount is under £100, chargeback is your only route. For big ticket items—think a new laptop or a holiday package—Section 75 gives you more muscle. Also, if the merchant is still fighting, a chargeback might get resolved faster, but Section 75 can force the bank to pay even if the merchant declares bankruptcy.

Here’s a quick checklist to decide:

• Purchase amount: under £100 = chargeback; over £100 = consider Section 75.
• Time since purchase: chargeback works best within 90 days; Section 75 can be claimed up to six years later.
• Type of problem: non‑delivery, faulty goods, or wrong description work for both, but false advertising may favor Section 75.
• Your credit card: Visa and Mastercard support both; some prepaid cards only allow chargebacks.

Got a dispute? Start by contacting the seller—most merchants will fix the issue outright. If they ignore you, pull the chargeback via your bank’s online portal. Keep all emails, receipts, and screenshots; they’re the evidence both the bank and the courts will ask for.

If you decide on Section 75, write a formal letter to your card provider outlining the breach, attach proof, and ask for a refund under the Consumer Credit Act. The provider usually responds within 30 days. If they still say no, you can take the case to the Financial Ombudsman Service or even Small Claims Court.

Bottom line: both tools protect you, but they’re not interchangeable. Know your purchase size, the type of fault, and how fast you need your money back. Use the right route, keep your paperwork tidy, and you’ll get your refund without too much hassle.