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Holiday on credit card

2 replies

BanginHeadache · 11/05/2018 14:19

Helloooooo, hoping for a bit of advice really.

So I'm looking to book a holiday that is around £1000pp which I have the money for-that is no issue. But I am wondering if it is better to pay for the holiday on a credit card rather than debit card? I don't currently have a credit card as never needed / wanted one but for the benefit of anything going wrong with the holiday ie company going bust etc is it a good idea to put the payment on a credit card for any protection?

Sorry if this makes no sense but I am a bit clueless as to credit cards and their uses as I've never wanted to rely on one so to speak, but am I right in thinking they offer some sort of protection?

TIA

OP posts:
MrsPatmore · 11/05/2018 14:21

Yes, it's a good idea for the extra protection. As you have the cash saved, then you can pay it off straight away.

BarbaraofSevillle · 11/05/2018 16:35

If the supplier goes bust, your credit card will refund you on full. We had to buy short notice new flights when Monarch went bust at a cost of ££££s and we got all the money back from the credit card company. Despite the travel insurance policy including scheduled airline failure cover that turned out to be not worth the paper it was written on.

Get the right credit card (Halifax clarity, santander zero or possibly some others) and you can get cash out abroad or pay for things far cheaper than bureau de change etc.

Never understood people saying they don't need a credit card. Pay them off every month and there are heaps of advantages and no downside.

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