Valentine's Day 2012

Free protection for all shopping!

There's a secret phrase that turns any credit card into a financial self-defence superhero. "Section 75" laws means your plastic must protect anything you buy over £100 for free, so if there's a problem or the company goes bust you can still get your money back.

Although Section 75 doesn't apply to debit cards there is something else to fall back on if you paid on a Visa debit or electron card, or Visa credit card under £100 (otherwise go for Section 75). Known as Visa Chargeback, this is part of Visa's internal rules and not a legal requirement. Full details of Section 75, chargeback and how to claim in the Section 75 Refunds guide.

If you know of a great deal we've missed, or you have feedback on those above, then please post it in the discussion and we'll add it to the list.

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