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Clearing up credit card claim confusion
07 March 2008
Consumers should be aware of different claim categories when approaching their credit card company for a refund, according to APACS, the body responsible for processing payments in the UK.
APACS says that consumers need to distinguish between fraud and claiming a refund for breach of contract or misrepresentation.
Mark Bowerman, a spokesperson for the UK trade association for payments, said that in the event of misrepresentation customers need not provide extra information than what is on their statement.
"The transaction would be on the statement and the credit card company would have records of it so they [the consumer] would just have to flag it up with their card company and they would tell them what they need to do," he said.
Under the Consumer Credit Act (1974), buyers can claim back refunds of between £1,000 and £30,000 of goods purchased overseas.
Fraud is a different matter with a more thorough investigation required by the credit card company.
Research by Barclays in 2006 showed that Turkey, France, Spain and the United States topped the league for overseas fraud on UK credit cards. 
