A customer is entitled to get a refund on a credit card purchase of between £100 and £30,000 under S75 Consumer Protection Act 1974 when a problem arises. The credit card refund isn't an act of benevolence, it is a legal requirement. It's important to appreciate that the protection doesn't extend to debit or store cards.

Credit Card Refunds Under Section 75 Consumer Credit Act 1974

"Section 75 (1) If the debtor under a debtor-creditor-supplier agreement falling within section 12(b) or (c) has, in relation to a transaction financed by the agreement, any claim against the supplier in respect of a misrepresentation or breach of contract, he shall have a like claim against the creditor, who, with the supplier, shall accordingly be jointly and severally liable to the debtor."