Section 75

If something goes wrong, such as the goods never arrive or the seller goes out of business, you can claim from the card company. It applies even if you paid only part of the price by credit cardHow Credit Cards Work in the UKHow UK credit cards work: interest, APR, minimum payments, interest-free periods, fees, Section 75 protection and how to use a card without getting into debt.Read more →.

It does not cover everything. Debit card payments are not covered, though chargeback may help. Check the details before relying on it.

You can check your credit reportsCredit reportA credit report is a record of your borrowing and repayment history, held by credit reference agencies and used by lenders to assess you.Read more → for free, and you should never need to pay for a credit scoreHow Credit Scores Work in the UKHow UK credit scores work: what the credit reference agencies record, what affects your score, why scores differ between agencies and what lenders actually see.Read more → or report.