Do you want purchase protection when ever you make a transaction, a credit card or prepaid card, purchase protection in the UK If I used my prepaid card to pay for a transaction for goods or a service, will I be protected under the Credit Consumer Act? What if the merchant goes bankrupt? - What if I have a problem with goods that I purchase am i covered with credit card purchase protection.

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One of the most important parts of the Consumer Credit Act (CCA) is Section 75 of the Act which reads that when you buy something using your credit card, your contract is with both the merchant (retailer) and the company that issues your card. The merchant and also the card issuer both have an equal liability if anything goes wrong you can take action against either of them to get compensation.

The Consumer Credit Act ( CCA) covers everyone with a credit card, but given that prepaid cards do not fall under the Consumer Credit Act ( CCA), because the bank is not lending money, you are not covered.

What Prepaid credit cards are covered by payment protection?

There are only three prepaid credit cards that offer payment protection when you make transactions these are all listed below.

Cashplus Prepaid Mastercard

Credit Card application fee:
Monthly fees / transaction charges
ATM Withdrawal fees:
Reloadand top up charges:
Useful information:

Cashplus Prepaid Mastercard

Go to Cashplus Prepaid Gold MasterCard website >>

£9.95
£4.95 monthly fee and no transaction charges
UK ATM - £2.00 per withdrawal - Foreign ATM - £3.00 per withdrawal
Free at the post office, retail outlets,standing order and wage payments
Max £5000.00 - Chip & Pin - MasterCard - sign up for credit builder

 

Sterling prepaid MasterCard

Credit Card application fee:
Monthly fees / transaction charges
ATM Withdrawal fees:
Reload and top up charges:
Useful information:

Sterling Prepaid Mastercard

Go to Sterling prepaid card website >>

£8.95
£5.95 monthly fee and no transaction charges
UK ATM - £2.50 per withdrawal - Foreign ATM - £2.50 per withdrawal
Free at Post Offices
Max £15000.00 - Chip & Pin - MasterCard

 

Gapyear prepaid MasterCard

Credit Card application fee:
Monthly fees / transaction charges
ATM Withdrawal fees:
Reload and top upcharges:
Useful information:

Gapyear Prepaid Mastercard

Go to Gapyear prepaid card website >>

£9.95
£4.95 monthly fee and no transaction charges
UK ATM - £1.50 per withdrawal - Foreign ATM - £1.50 per withdrawal
Free at Post Offices
Max £15000.00 - Chip & Pin - MasterCard

What is Payment Protection?

Payment protection is a type of insurance policy which covers against any ongoing health issues, redundancy and even death.

The cost is very minimal and proves to be a very useful tool to prevent any unexpected circumstances which can occur. It is unheard of for people to turn this down because who knows what is round the corner, situations could occur which could lead to the inability to clear the debt.

Not looking for a prepaid card and want a credit card, use the links below to find which credit card is best for you. Compare and check out fees on transactions, benefits and rewards for you complete a secure online application

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