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Debit cards It applies to all debit cards goods, although exact rules may vary between the Visa, Maestro and American Express networks.

Credit cards Chargeback is particularly useful where the cost of the goods or services was under £100 and Section 75 doesn't apply.

If the money that you load into your account is then subsequently used to buy goods and services, that transaction is not classed as a card transaction and is unlikely to be covered by chargeback.

If you're making a card purchase through Pay Pal it's best to empty your Pay Pal account regularly so there is no credit balance.

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Flight purchase In the case of an airline going bust after you've booked a flight, the breach of contract would be from the day the flight was due to depart.Chargeback is not very well known about and some bank staff may not be aware of this rule.There’s no set timeframe for your card provider to resolve a chargeback or Section 75 claim, but if you’re unhappy with the outcome of the claim, or how long it’s taking, you can complain to your provider, it then has eight weeks to deal with this complaint.When this starts depends on the specific circumstances but will usually be from the day you become aware of a problem.There is also an overall cut off point of 540 days for Visa chargeback from the date of the transaction.

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