 Poster: A snowHead
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Hi and sorry for the worst entitled post ever ....
I was going to pay for some of our holiday using a card (for protection) but also want to avoid cc surcharge fees so was going to do the minimum. Does anyone know what this is, or does it vary depending on the card?
thanks
tor
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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Tor, quite probably the longest title, yes, not sure about worst.
I would have thought sadly that the answer lies in the card issuer's terms and conditions (the small print they send you every so often saying they have changed them "for your convenience", which you then throw away without reading).
But surely if you only pay for, say, £100 of your holiday on the card, then any protection will only extend to that £100 and not the full cost?
Nice idea but i am sure if it was that simple everyone would be doing it. As with all these things i am half expecting to be proved wrong by other, more erudite snowheads 
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Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?
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sanman, Thanks - fab answer and one that made me smile  . I have no idea where the "small print" may be ... but just found this
By using your credit card to pay for the holiday (provided it's more than £100) you get the benefit of cover by the credit card company. They become equally liable for providing a refund if the holiday is not supplied, turns out to be unsatisfactory or if the holiday company goes bust. The down side of this is the surcharge that is often applied by the travel agent or tour company – a typical charge of around 1% or £15 – think of it as an insurance premium. Tip: ensure you pay for the holiday on a credit card belonging to one of the participants of the holiday; otherwise you could miss out in the event of a claim.
http://www.travel-quest.co.uk/editorial/money/money1.htm
I thought it was either £50 or £100 so here's hoping they've got it right ...
tor
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You need to Login to know who's really who.
You need to Login to know who's really who.
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Tor, yes interesting, but I think they mean, the card issuer's liability only applies if the holiday is more than £100. I can't believe it means you can pay £100 towards a £3k holiday on your card and they then refund you the whole amount if the TO goes bust.
Wait til lunchtime you should have some more answers Come on there must be someone else on here with a view!
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Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
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They will only cover the part that is paid for on the credit card. You (almost, anyway) never get something for nothing in this life.
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You'll need to Register first of course.
You'll need to Register first of course.
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James the Last, thanks 
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Not sure James the Last, is right - I have a feeling, unfair as it may be to the CC issuer that part payment for goods, or a service, with a CC makes them liable for delivery.
Really, though, you should go to a financial website (like Money Saving Expert) since this will almost certainly have been covered on there.
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You'll get to see more forums and be part of the best ski club on the net.
You'll get to see more forums and be part of the best ski club on the net.
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Well there you have it. Amazing ... but true. Thanks .Ro, I knew I would be proved wrong it always happens!
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.Ro, perfect and just what I wanted to hear Thanks for taking the time to post the link.
I think we should spread the word on here (but maybe most people know) as it's a valuable piece of info.
tor
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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Yellow Pyranha, your feeling was spot on
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And love to help out and answer questions and of course, read each other's snow reports.
And love to help out and answer questions and of course, read each other's snow reports.
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James the Last, don't be .... what you presumed sounded the most likely scenario - to know it isn't is just a bonus!
tor
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