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    Does paying by credit card protect a purchase in Finland?

    Why the credit side of a card matters.

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    Short answer

    Under the Consumer Protection Act, the seller and the creditor have joint liability when a consumer pays for a purchase on credit, KKV explains. You can claim a refund from the card company if the goods or service are not delivered, if there is a defect the seller refuses to fix, or if the seller has gone bankrupt, for example an airline or travel agency. KKV recommends using the credit side of the card at least for expensive purchases.

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    Why

    1. KKV describes the joint liability of seller and creditor in credit purchases.
    2. KKV lists bankruptcy of the seller as one case for a claim.
    3. The law sets no deadline for making the claim to the creditor, according to KKV.

    Details

    A debit payment does not give the same legal protection, though some banks' terms may allow a refund. Card schemes also have their own chargeback procedures.

    Tip

    Contact the seller first and keep the replies. The card company usually asks for them.

    What may differ

    The rule applies to consumer purchases from businesses, not to purchases between private persons.

    Common misconception

    A credit card and a debit card give the same protection.

    What actually happens

    The statutory creditor's liability covers purchases paid on credit.

    People also ask

    • What if an online store does not refund you in Finland?
    • Who pays if your card is used without permission?
    • Can a hotel block money on your card?

    Sources

    This answer is for reference only. Consumer rules can change and cases differ, so check KKV or the Consumer Advisory Services.

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