![]() ![]() ![]() Welcome bonus: Earn 80,000 Membership Rewards points after you spend $6,000 on purchases on your new card in your first six months of cardmembership. Plus, if you're using a hotel for your venue, using a travel rewards card for that purchase is an easy way to earn some serious rewards. Whether you're booking your honeymoon or making arrangements for a destination wedding, use a card that earns travel rewards when you book hotels and flights. ![]() Let us help you choose the best credit card for wedding expenses, from the venue to invitation postage and everything in between. Regardless of where your budget falls, there's a good chance that this will be one of the largest expenses of your life.īut at The Points Guy, when we see big expenses, we also see big rewards-earning potential. Take a look at our comparison table to compare policies from a number of providers.You're recently engaged - congratulations! We now pronounce you - needing to make a lot of purchases.Īs you start looking at wedding items such as a venue, photographer and outfits, you may realize that wedding planning is as expensive as it is exciting.Īccording to Zola, the average wedding budget this year will be $20,000-$40,000. Wedding insurance certainly makes sense then and with premiums starting from around just £20, it seems daft not to take out a policy. However, the credit card company would only be equally liable for THAT transaction and wouldn't cover you for the related costs of perhaps having to re-arrange your photographer, your florist, the caterers etc. If, as in the example we used earlier your venue went bust and you had to re-arrange the day, you might be able to claim for this under Section 75 if you paid using your credit card. If payments could be covered by either the Consumer Credit Act or a chargeback, why on earth would you bother with wedding insurance then? The answer is simple, wedding insurance covers you for so much more! As well as the obvious like public liability claims, marquee cover or claims relating to death or injury, wedding insurance would also cover you for related costs. It is not as reliable as the Section 75 law, but the credit card companies are pretty good at resolving these types of disputes in favour of their customers. There is a system called a 'chargeback', where the credit card company will suspend the payment to the supplier, or even retrieve the payment until the dispute is resolved. One final area in our brief overview of this subject is what happens if your payment is under £100? Well there can still be a remedy here also, using your credit card. This instantly removes the direct legal contact between you and the supplier, so the law will not apply in these cases. For example, a lot of people these days use an intermediary payment service like Paypal or Moneybookers. One thing that you need to understand also is that the law clearly states that there must be a direct relationship between you and the person/company you are purchasing from. For example, if you bought a car for £10,000 and paid the deposit originally on your credit card, if the company went bust and you did not get your car, you can still claim the whole £10,000 under the section 75 law. Therefore, if you pay a deposit of £100 or more, if that items or service fails, you can still claim the whole loss. For section 75 to apply, your payment needs to be over £100. One area of confusion occurs where a person pays only the deposit for an item or service. ![]() Does paying by credit card protect the deposits I pay on my wedding? Deposits ![]()
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