Yes - buying on credit does give you some extra rights, for example, if goods are faulty. If a trader has an arrangement with a finance or credit card company to allow you to pay by credit, you have extra protection. This applies if the goods cost more than £100. The credit company is equally liable for a breach of contract or misrepresentation by the trader. For example, if the goods are not delivered or are not what you ordered, or a holiday was wrongly described or you did not get what you paid for, you may be able to claim from the credit card or finance company.

It is sensible to approach the trader first. You can, however, make a claim against the credit card issuer or finance company without going to the supplier first. You do not have these rights if you pay with a debit card (where the money is taken out of your account immediately) or a charge card (where you must pay all you owe within a few weeks of receiving the account). This area of law can be interpreted in a number of ways.