Helping you get the most out of your credit card

Extra protection - Section 75

Did you know a credit card provides additional protection on purchases? If you've bought something with your credit card which cost between £100 and £30,000, Section 75 of the Consumer Credit Act protects you if certain things go wrong. For example, if something you've paid for has turned up broken or faulty, or didn't arrive at all, you may be able to get your money back through a Section 75 claim.

Section 75 doesn’t apply to our debit cards. 


When can I raise a Section 75 claim?

Before you raise a claim with us, you should try to resolve your dispute with the company first. 
Section 75 may help if:

  • You used your Santander credit card for a full or partial payment
  • The cash price of the item(s) was more than £100 and less than £30,000
  • There was a breach of contract or misrepresentation by the company you made a purchase from. 

The following may also affect a Section 75 claim.

  • The date of transactions being disputed must be within the last 6 years.
  • Purchases must be in the name of the primary credit cardholder or they must benefit from the transaction. For example, gifts for other people aren’t covered but a family holiday might be. 
  • If a payment has been made through a third-party or payment processor and not directly with the company or supplier. Examples of this include:  
    • Booking concert tickets through a third-party ticket agency 
    • Buying through a payment platform like PayPal
    • Using an online marketplace retailer like Amazon (when you are buying a third parties' goods through Amazon)
    • Buying through a comparison site like Expedia 

    However, these types of companies may have their own payment protection systems which cover you. 

    Under Section 75, for qualifying transactions, you may have a like-for-like claim against us as your credit provider as you would have against the company. 

    How do I raise one?

    To raise a Section 75 claim, please contact us

    If you dispute something you bought on your Santander credit card, we may be able to process your claim quicker by raising a chargeback. By doing this, your rights under Section 75 of the Consumer Credit Act 1974 would not be affected. Contact us to find out more.

    56 days interest-free credit on purchases

    You’ll benefit from up to 56 days interest free on any purchase you make with your card. That means you could have nearly 2 months to pay off your card before we’ll start charging you interest.
    For example:

    • If your statement date is the 1st of the month, and you buy something on 1 December, you won’t need to repay that purchase until 25 January. That’ll be the payment due date on your December statement. This means you’ve got 56 days before any interest is charged.
    • If you were to make a purchase on 16 December, you’d only have 40 interest-free days until your payment is due on 25 January.

    If you don’t make your payment in full on your payment due date, then your standard interest rate will apply from the date of the purchase until you repay your balance in full.

    Your monthly statement date will be based on what date in the month you apply for your card. You can change your statement date by contacting us.

    How do credit cards work?

    Read our handy guide (PDF - 126 KB) to help you understand how credit cards and credit card offers work. It contains useful information to help you get the most out of your credit card.

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