3. How you pay can give you added pro­tec­tion

Costa del Sol News - - FRONT PAGE -

Con­sumer group Which? ex­plains that un­der sec­tion 75 of the Con­sumer Credit Act, your credit card com­pany is jointly li­able if some­thing goes wrong with a prod­uct or a ser­vice you've paid for with that card.

If you've spent more than £100 and less than £30,000 on some­thing, you can claim in this way if some­thing goes wrong. You don't have to have paid the full amount on your credit card, ei­ther. Which? says to qual­ify for the pro­tec­tions, it's the value of the goods you're buy­ing that is key, not the amount paid on the card. man­ager at Adyen, which pro­cesses pay­ments, says with many limited-pe­riod deals on of­fer, shop­pers may be tempted to let their guard down. "It helps to stick to re­tail­ers you know are rep­utable. That is not to say that any on­line re­tailer you haven't heard of should be on the black list, but take the time to do a lit­tle re­search and look for re­views," he says.

"Check­ing your emails care­fully is also cru­cial. Fraud­sters are be­com­ing in­creas­ingly so­phis­ti­cated at mim­ick­ing le­git­i­mate re­tail­ers. They know it's easy for you to get caught in the mo­ment when a great of­fer lands in your in­box. Take a few mo­ments to check the email ad­dress of the sender is le­git­i­mate and look closely at the des­ti­na­tion of a link, be­fore click­ing it. This helps avoid end­ing up on a spoofed web­site and mis­tak­enly pro­vid­ing your card de­tails and per­sonal in­for­ma­tion to fraud­sters."

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