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Post by ozark on Feb 24, 2009 16:54:19 GMT -5
I have done some shopping on the internet using a debit card several times but I am wondering since you provide them with card numbers and all the other information if that practice is safe?
Please respond with your opinions and any safeguards to take. I think doing it by phone would be just as risky since you provide them with the information needed to remove money from your account. I like the convenience but don't want to let my hurry for some item to put me in a risk factor. If you guys say stop it then I will simply send checks or money orders. Thanks, Ben
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Post by Buckrub on Feb 24, 2009 17:02:51 GMT -5
In my opinion, it's the safest method there is, assuming SSL is used. The mail is not safe. Handing a credit card to a clerk is not safe, they can retain a carbon or a copy.
I've bought a bazillion dollars worth of stuff over the internet, and a guy in brown brings it to my door. I never leave the house.
Try to find the web sites that begin 'https' instead of just 'http'. The extra 's' is security. The internet, and your computer, can resolve an encryption key that's very long (128 bits) way better than any other method.
This is my opinion.
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Post by ozark on Feb 24, 2009 17:08:32 GMT -5
"Assuming SSL is used." What is SSL please?
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Post by Buckrub on Feb 24, 2009 17:30:40 GMT -5
Secure Socket Layer. It's an encryption method some, or most, websites use that accept cash. For example, go to Midway's site: www.midwayusa.comGo down to the bottom and see the "verisign" emblem. Click on it and it'll explain that Midway uses SSL and encryption. |
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Post by ozark on Feb 24, 2009 18:30:21 GMT -5
Very informative Buckrub. I just need to be careful and insure that I am dealing with a legitimate company that is secure.
Thank you. Big help. Ben
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Post by whyohe on Feb 24, 2009 19:56:00 GMT -5
i personaly dont like using my debit card. i use my credit card cause it has fraud protection and doesnt have access to my personal account. i also look for the lock sign on the sight so it shows protection.
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Post by Buckrub on Feb 24, 2009 19:58:47 GMT -5
I personally wouldn't own a debit card. That's just me, I'm sure lots of folks like them.
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Post by ozark on Feb 24, 2009 20:05:20 GMT -5
My thinking concerning a debit vs a credit card was that I am limited to spending only the money in my account and if someone empted it out I could avoid a great loss. This new means of finance is baffling to me. I appreciate all help in avoiding problems. Ben
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Post by Buckrub on Feb 24, 2009 20:10:26 GMT -5
Debit cards, once stolen, can empty your bank account. Debit cards are electronic checks. If you lose one, it's like losing checks that don't have to be signed. Thieves can use it to buy lots of ML10's from Natchez and bullets from Midway before you know it happened.
Credit cards, once stolen, are limited to $50 fraud protection, at least most of them are.
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Post by Deleted on Feb 24, 2009 20:40:42 GMT -5
Ozark you could check with your bank I think most have either dollar limits or transaction limits on debit cards. We use the internet for most all of our purchases and have never had a problem. But we always go directly to the store site . Rocky
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Post by petev on Feb 24, 2009 21:14:21 GMT -5
I like buying on the internet, and as buckrub says the man in brown brings it to the door. There are specials that are hard to beat from outdoor suppliers. One thing that I did was to lower the maximum amount on my credit card in case it was stolen or lost, but after reading some of the other posts, maybe it wasn't necessary. Incidentally, if your Visa is through one of the outdoor suppliers, they will credit you with points every time you use it, even if you pay it off every month. The points are used for buying their merchandise. I get at least a hundred bucks of free stuff from Cabelas every year that way. Also, if you buy from Sportsmans Guide, to name another, often they will enclose a $10 coupon with their merchandise when they ship it. I used two of the coupons this week, and in fact have 2 more, plus one from Dicks for completing an online survey of the store service. Equipment has come along so far in the last 20 years, both in quality and ease of finding and buying it. If you ice fish, Thorne Bros. in Minnesota has a special running right now on some equipment.
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Post by tar12 on Feb 25, 2009 8:45:07 GMT -5
I use my debit card exclusively.Here is why.I limit the amount of cash that is on the card.I also have a self imposed limit set at my bank.If a business tries to bill me for more than the limit,I am notified BEFORE the transaction is allowed.I can approve or decline this transaction.Another big plus for the debit card is NO INTEREST.The way I see it, there is absolutley no reason not to use the debit card.
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Post by edge on Feb 25, 2009 9:24:07 GMT -5
Credit card is very safe, debit much less so. Buy a 10ML online and it never comes your credit card company will reverse the charge 99% of the time. My wife and I use a credit card for everything we buy as long as there is no extra fee, like some gas stations. I get airline miles and visit family for $5.00 per ticket. If I could pay my mortgage with it I would  I have had fraud on my card! Two years ago someone got my number and charged over $11,000 to it. The credit card caught it and called to question the charges. They reversed the charges and no $50 fee either. We switched to a backup credit card for 2 months to make spotting any fraud easy, but they caught it all. My wife puts all the charges onto an Excel spreadsheet, similar to a checkbook register. The key is to never run a balance or you lose much more than the value of the airline miles, but you would be surprised how fast they add up! edge. |
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Post by tar12 on Feb 25, 2009 10:13:03 GMT -5
I do not know about other peoples debit cards but mine is issued through my credit union and it is a Visa debit card and it sports the excact same advantages of any credit card minus the interest and frequent flyer miles.. ;D
Ozark,
Touch base with your bank and check on your debit card.
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Post by younghunter86 on Feb 25, 2009 11:39:07 GMT -5
I use a credit card for everything. I had a fraud issue at one time. Hadn't used the card for over a year and a half so I don't know how they got the number. Company caught it and took care of it. I agree with edge, its amazing how fast your bonus whether it be 1% cash back or airline miles rack up. I wish I could pay everything with my credit card! With automatic bill payment and online account services I just check on it once in awhile and it is automatically deducted from my checking account.
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Post by chuck41 on Feb 25, 2009 12:55:05 GMT -5
Like Buckrub and Edge I too buy lots of stuff online using only my credit card. Never lost a dime.
Have a friend that bought a BMW about five years ago. He passed away a couple years ago but his widow still loves that BMW from E-Bay. Not sure what kind of a special message that sends , but for what its worth. ;D
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Post by whyohe on Feb 25, 2009 16:34:51 GMT -5
you know i never thought about it but what about using a PRE-PAY credit card? i dont know what, if any, fees are involed with one of these.
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Post by edge on Feb 25, 2009 18:33:35 GMT -5
IMO, Federal dictates what the bank must do with a Credit Card, and under a lot of conditions you are very safe.
Debit and Pre-Pay cards may or may not be covered should you not get your product or if it is not as described.
( that should read that I don't Know the rules )
edge.
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Post by screwbolts on Feb 25, 2009 19:53:32 GMT -5
I have done some shopping on the internet using a debit card several times but I am wondering since you provide them with card numbers and all the other information if that practice is safe? Please respond with your opinions and any safeguards to take. I think doing it by phone would be just as risky since you provide them with the information needed to remove money from your account. I like the convenience but don't want to let my hurry for some item to put me in a risk factor. If you guys say stop it then I will simply send checks or money orders. Thanks, Ben To all of you: Good info so far but NONE of you have told Ozark how to tell if the connection he is using on the net is secure!!!!!!!!   Look at the URL at the to of this page right now, this one! It is the thing that Starts with http://, now that you have found it, this is a unsecured Page!!!! Secured Pages will have https:// Notice the "s" this is the only true way to tell if the page is secure, secure pages also have a padlock at the bottom right corner, but the https:// is the true mark of an encrypted page ( the ones that are safe for using your cards will have a secure/encrypted URL https://) If you would like to see this go to www.airlandseahobbies.com and make a purchase. this purchase will help stimulate my economy and will greatly be appreciated. Just kidding on make the purchase part unless you want to. but this is my website, and we work hard to make sure your info is secure and safe!!!! If you have any questions please ask.  ;D   Screwbolts ;D Ken CNY |
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Post by ozark on Feb 25, 2009 20:05:36 GMT -5
Skowly I am learning. i didn't notice a S on your ULR but i did see the lock at the bottom of the page. I know that until I learn what is secure and what may not be I am taking a chance. To be safe I am trying to get the facts. Thanks all, I hope to get there before I get took. Ozark
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Post by screwbolts on Feb 26, 2009 8:28:03 GMT -5
You wont find secure /encrypted pages till you go to the checkout, and then they are secure /encrypted from that time on, you will be on secure./encrypted pages for the complete purchase payment process. These pages are the ones that have the "s" and the Padilock ;D Sorry I guess I left that out On all sites before you enter any card info look for the "s" and Padlock. Ken |
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Post by ozark on Feb 26, 2009 10:03:18 GMT -5
Thank you screwbolts, I believe you have put the essentials into my head. I feel much safer now ordering. I am sure that others have also gathered valuable information from your replies. It is surprising what I learn from reading answers to the questions asked by others. Ben
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