Simon Calder's Holiday Helpdesk: Am I better off paying my Mexico wedding package by credit card?
Every day our travel guru answers your travel questions
Simon Calder’s career in travel started at Gatwick Airport, where he cleaned aircraft for Laker Airways and later worked as a security officer. He became The Independent’s Travel Correspondent in 1994, and is known as “the Man Who Pays His Way” because he does not accept free travel facilities. He writes across the Independent titles, as well as for the Evening Standard.
Tuesday 20 November 2012
Q We are booking a Thomas Cook wedding package in Mexico next year. I know that, in the past, you have recommended paying by credit card, but I can't recall the exact reason why. There is a 2 per cent additional charge for this method of payment. Does paying by debit card give you the same guarantee?
A Congratulations - and keep the 2 per cent for a honeymoon treat.
Paying by credit card has the handy effect of making the card issuer jointly liable with the supplier for delivering what you have bought, under section 75 of the 1974 Consumer Credit Act. The rules apply even if you have paid only the deposit, so long as it is for over £100. This is especially useful if, for example, you are paying separately and directly for flights and accommodation. But because you are buying a proper package holiday, you already have first-class protection under the Atol rules. And in any case, looking at the fundamentals of Thomas Cook, I believe the company will be around for many years to come.
More pressingly, you should read the latest Foreign Office travel advice, bit.ly/MexTrav, on the lively situation in the splendid country of Mexico.
Click HERE to email Simon.
You can also tweet him your questions @SimonCalder
The Independent travel offers: Discover a world of inspiring destinations
- 1 Frank Lampard's face drops when Holly Willoughby introduces him as a 'Man City legend'
- 2 Sofyen Belamouadden murder: The inside story of a crime that horrified Britain
- 3 Company breaks open Apple Watch to discover what it says is 'planned obsolescence'
- 4 The Visit: Trailer for M Night Shyamalan's latest horror film is terrifying
- 5 9/11: Iranian General accuses US of organising September 11 terror attacks
A380 celebrates first decade in flight - but how long will the Superjumbo's time in the sky last?
12 best hotels in London
Inside Travel: Greece 2015 Q&A - should we cancel our Greek holiday? Are our flights safe? And what will we be spending there?
The Atlas of Beauty: Photographer travels around the world to capture cultural diversity through stunning portraits of women
The 10 Best lightweight luggage
General Election 2015: Chuka Umunna on the benefits of immigration, humility – and his leader Ed Miliband
The sickening truth about food banks that the Tories don't want you to know
Aaron and Melissa Klein: Oregon anti-gay bakers ordered to pay $135,000 after refusing to make cake for same-sex wedding
Andrew Lloyd Webber: Phantom of the Opera writer mocked after issuing a warning about Ed Miliband and Nicola Sturgeon
General election 2015: Labour will toughen hate crimes legislation surrounding Islamophobia
HSBC review into moving headquarters from UK 'underway'
£15310 per annum: Recruitment Genius: An exciting opportunity has arisen for a...
£24000 - £25000 per annum: Recruitment Genius: Situated in the heart of Bradfo...
£18750 per annum: Recruitment Genius: This Hotel in Chadderton is a popular ch...
£Competitive (DOE) + Benefits: Guru Careers: We are seeking a Marketing and Co...