Section 75 refers to Section 75 of the Consumer Credit Act 1974, a piece of UK law that gives credit card users powerful protection on purchases. It makes the credit card provider jointly liable with the retailer if something goes wrong with a purchase.
It covers purchases costing more than £100 and up to £30,000, paid for (in full or even just in part) on a credit card. This means if the retailer goes bust, the goods are faulty or not delivered, or a holiday company collapses, you can claim from your credit card provider directly — even if you only paid a deposit on the card.
For significant purchases — flights, holidays, furniture, electricals, building work — paying at least the deposit on a credit card (then clearing the balance to avoid interest) provides a valuable safety net that debit card and cash payments don't. It's one of the strongest consumer protections available in the UK.
Section 75 applies to credit cards, not debit cards (debit card purchases may have separate 'chargeback' protection, which is weaker and not a legal right). The protection applies even on partial payments. This is general information, not financial or legal advice.