Under the provisions of Section 75 of the Consumer Credit Act 1974. If you buy goods or services costing in excess of £100 using a credit card, should the goods or service prove to be defective, you will have an equal claim for compensation against both the seller of the goods or service and the finance company.
Section 75(equal liability)only applies to credit transactions, therefore, the finance company does not have any liability for purchases that have been paid for by chargecards as these are debit cards not credit cards.American Express and Diners Card are examples of debit cards.