Credit where credit's due  They may charge extortionate interest
rates, but making large purchases on your credit card does have
some advantages, says Alan Wilson. Section 75 of the Consumer
Credit Act means that your card company is obliged to protect
you if anything goes wrong  When you're buying expensive items,
it might be worth considering using your credit card for one
simple reason: the chances of getting redress are doubled if a
problem develops. You can exercise your legal rights against
either the retailer or the credit card company - extremely
useful if the business from which you've bought gets into
financial difficulties or goes bust.  Credit card purchase also
comes in useful if you have any complaints about your goods: if
they are faulty, not as described or not delivered at all (in
other words, if there has been a breach of contract). In many
cases, it makes sense to try and sort things out with the
retailer first, but you may prefer to go direct to the credit
card company, especially if the r