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Original poster

Paying Wedding Deposit Debit or Credit Card

18 replies

Fressia123 · 09/02/2021 09:32

I don't like to pay things with my credit card, but given the current Covid situation I believe credit cards give more protection or am I wrong?

OP posts:

Mixitupalot · 09/02/2021 09:34

Wedding deposits are usually non refundable regardless of how you pay. Is that what you mean?

TheQueef · 09/02/2021 09:35

Credit card.
Always credit card.
Additional consumer rights.

Original poster

Fressia123 · 09/02/2021 09:37

No for example I'm hiring a house for the reception it's in 2022 but currently receptions can't be held at homes, if the same regulations were to be next year the house wouldn't be fit for purpose.

OP posts:

Interested in this thread?

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General money Weddings

peachypetite · 09/02/2021 09:38

Credit card

MaverickDanger · 09/02/2021 09:39

You’re best off taking out wedding insurance that specifically covers COVID cancellations.

I doubt a credit card would offer that protection.

Original poster

Fressia123 · 09/02/2021 09:44

I still haven't been able to find an insurance policy that cover for Covid reasons

OP posts:

peachypetite · 09/02/2021 09:47

You won’t get insurance for that now!

Ikora · 09/02/2021 09:49

Credit card but be prepared to take the hit depending on legislation at the time especially if the house is in another country.

Original poster

Fressia123 · 09/02/2021 09:51

The house is just a 30min drive. They rent as a holiday let and as a wedding venue.

OP posts:

VinterKvinna · 09/02/2021 09:52

Credit card all the way

If they go bust, or are unable to provide the service, you should get your deposit back (with help from cc) look up section 75

VinterKvinna · 09/02/2021 09:54

@Fressia123

No for example I'm hiring a house for the reception it's in 2022 but currently receptions can't be held at homes, if the same regulations were to be next year the house wouldn't be fit for purpose.

But you would still be unlikely to get.your deposit back, if you are aware that it may not be available.

What is in the contract?

There should be something in there, "in case of continuing covid restrictions and location unable to provide.... deposit will be returned or retained"

Check that first, and get it in writing

Original poster

Fressia123 · 09/02/2021 09:59

Yes, I've asked the coordinator directly about it. I wouldn't fork out £3k without any type of reassurance

OP posts:

CokeAndPepsi · 09/02/2021 10:20

I’m not sure you’re going to get the reassurance you’re looking for. The uncertainty is there for everyone so it wouldn’t make sense for insurers to guarantee against it except perhaps at a prohibitively high premium. Sometimes you just have to decide for yourself whether to take a risk.

Can you afford to lose the money? If you can’t get the deposit back in case of covid cancellation will you still book the venue? If not I wouldn’t do it.

Brahumbug · 09/02/2021 10:20

Any purchase between £100 and £30000 should be made by credit card. You don't have to pay all of it on the card, even if you pay just £10 you are covered.

Original poster

Fressia123 · 09/02/2021 10:32

I think if we're not locked to dates and we can use the venues when allowed/possible then I'm.more than happy to go ahead.

My worry is that because it's a holiday rental, people last year could still go on holidays but couldn't have wedding receptions at home for example. I do need to see if the contract is any different because it's used as a wedding venue.

OP posts:

Mumdiva99 · 09/02/2021 11:31

Your difficulty will be if a family holiday is allowed but a wedding with lots of people isn't. You may still be contractually liable for the rental....without being to hold your wedding.

I would really advise not paying the deposit unless you know this is covered.

BarbaraofSeville · 09/02/2021 11:42

Your credit card will give you protection if something happens like the house isn't as described or there are other issues - possibly if they cancel at short notice and you have to pay more to find another house, you might be able to claim the difference from the credit card company as a consequential loss.

You might also be able to claim losses if covid forces cancellation, but even with a credit card, this could be less of a certainty, because that's a known risk and I'm not sure if the credit card people have an argument that gets them out of this.

However, 'not liking to pay for things with your credit card' is slightly bonkers IMHO when there's a good reason to use it. Lots of people on here say this and I never understand it.

There's several advantages to using a credit card as opposed to other methods as a payment tool that are nothing to do with borrowing money or getting into debt and I'm constantly baffled about people's opposition to them, especially when they're complaining about something that went wrong that could have been avoided by them having/using a credit card.

If you use a credit card and clear it every month by direct debit, it doesn't cost anything and can save a lot of money and stress.

Original poster

Fressia123 · 09/02/2021 12:08

That's my main worry @Mumdiva99 What makes me think it should be ok is that for wedding bookings you have to go through a middle person rather than just hiring the house.

OP posts:

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