Online Purchases only on CC | TigerDroppings.com
Posted by
Message
RebelOP
Ole Miss Fan
Misty Mountain Top
Member since Jun 2013
11483 posts

Online Purchases only on CC

I've often heard that people will only purchase items online using a credit card. The reason behind this is if someone were to get access to the card number they don't clear out your bank account if you were to use a debit card.

What does the MT do?
This post was edited on 6/25 at 3:51 pm



mach316
LSU Fan
Jonesboro, AR
Member since Jul 2012
1988 posts
Online

re: Online Purchases only on CC
quote:

only purchase items online using a credit card


Replies (0)
Replies (0)
Teddy Ruxpin
LSU Fan
New Orleans, LA
Member since Oct 2006
21580 posts

re: Online Purchases only on CC
quote:

every single purchase humanly possible using a credit card


fishfighter
LSU Fan
Baton Rouge
Member since Apr 2008
21042 posts

re: Online Purchases only on CC
CC for on line only.


Replies (0)
Replies (0)
SG_Geaux
LSU Fan
Googolplexian Posts
Member since Aug 2004
52345 posts
Online

re: Online Purchases only on CC
quote:

only purchase items online using a credit card.


Replies (0)
Replies (0)
TheWiz
LSU Fan
NOLA
Member since Aug 2007
7761 posts

re: Online Purchases only on CC
Only have debit cards. Isn't anything reported within a reasonable time frame usually safeguarded?


Teddy Ruxpin
LSU Fan
New Orleans, LA
Member since Oct 2006
21580 posts

re: Online Purchases only on CC
quote:

Only have debit cards. Isn't anything reported within a reasonable time frame usually safeguarded?


Ya I guess, but still a hassle.

But really, my reason for purchasing every thing possible on a CC has little to do with security, and more to do with getting free stuff.


wegotdatwood
Member since Aug 2009
17094 posts

re: Online Purchases only on CC
quote:

more to do with getting free stuff.



This, between saving up tons of points and getting 2 $400 sign up cards, I redeemed $2,000 this year.
This post was edited on 6/25 at 7:28 pm


TigerTatorTots
LSU Fan
Mandeville, LA
Member since Jul 2009
68919 posts

re: Online Purchases only on CC
Why would you ever use a debit card when a CC acts the exact same way, but in addition you get free stuff?


Replies (0)
Replies (0)
RebelOP
Ole Miss Fan
Misty Mountain Top
Member since Jun 2013
11483 posts

re: Online Purchases only on CC
quote:

2 $400 sign up cards


Where was this???? I must know.


Volvagia
LSU Fan
Baton Rouge
Member since Mar 2006
41659 posts

re: Online Purchases only on CC
quote:

every single purchase humanly possible using a credit card


This.

I carry a debit card for easy access to funds/transactions in a pinch, but always use a CC.

Better fraud protection, and better rewards.

Folks, you are more exposed to someone stealing your card info at a restaurant than you are online.


Replies (0)
Replies (0)
Volvagia
LSU Fan
Baton Rouge
Member since Mar 2006
41659 posts

re: Online Purchases only on CC
quote:

Only have debit cards. Isn't anything reported within a reasonable time frame usually safeguarded?


Oh you have some recourse.

But less than you would with a CC.

And in the interim while the investigation is going on, the only thing you are missing is the value of the item frozen from your credit.

The money is GONE from your bank account and you are hoping to get it back.


LSUtigerME
LSU Fan
Walker, LA
Member since Oct 2012
1116 posts

re: Online Purchases only on CC
quote:

every single purchase humanly possible using a credit card


For fraud, rewards, and MC benefits like extended warranty, accidental replacement, etc.


Replies (0)
Replies (0)
BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
42827 posts

re: Online Purchases only on CC
quote:

Where was this???? I must know.


One was Chase Sapphire Preferred and the Other was the NFL Barclay Card


LSUAfro
LSU Fan
Baton Rouge
Member since Aug 2005
11114 posts

re: Online Purchases only on CC
quote:


Oh you have some recourse.

But less than you would with a CC.

And in the interim while the investigation is going on, the only thing you are missing is the value of the item frozen from your credit.

The money is GONE from your bank account and you are hoping to get it back.

I can tell you've really researched this

I mean...You should probably research stuff before you pass on information as truth. That's just me though. I don't like sounding like a dumbass

ETA: And I use a CC for points. No other reason. The whole "hassle" about losing your debit card and theft is no bigger than the hassle when you lose your CC. It's a hassle either way.
This post was edited on 6/26 at 9:16 am


Putty
LSU Fan
Member since Oct 2003
21707 posts

re: Online Purchases only on CC
quote:

Only have debit cards. Isn't anything reported within a reasonable time frame usually safeguarded?


The way I understand it is that your exposure on CCs is limited to about $50 by law. While debit cards with a CCs logo (i.e. Visa debit, etc.) will traditionally honor this $50 limit, there is nowhere near the same guarantee.

However, more important to me is that if you dispute a CC bill, you keep your money until it's sorted out. If you dispute a DC charge, you have to fight like hell to get back the money that you probably need for other things. Big swing in leverage and practical exposure.


LSUAfro
LSU Fan
Baton Rouge
Member since Aug 2005
11114 posts

re: Online Purchases only on CC
quote:

The way I understand it is that your exposure on CCs is limited to about $50 by law. While debit cards with a CCs logo (i.e. Visa debit, etc.) will traditionally honor this $50 limit, there is nowhere near the same guarantee.

False. The EFTA says that you're limited to $50 liability on debit cards as well if reported within 2 days.
quote:

However, more important to me is that if you dispute a CC bill, you keep your money until it's sorted out.
And vice versa, I have access to my $10k credit limit card if my debit card is stolen. If my credit card is frozen, I have a lot less access to funds.
quote:

If you dispute a DC charge, you have to fight like hell to get back the money that you probably need for other things
Same fight you will have with your CC company and I actually had an easier time dealing w/ my local bank than I did over the phone with my CC company in India.


Volvagia
LSU Fan
Baton Rouge
Member since Mar 2006
41659 posts

re: Online Purchases only on CC
quote:

I can tell you've really researched this

I mean...You should probably research stuff before you pass on information as truth. That's just me though. I don't like sounding like a dumbass



It's called experience.

Ive gotten a fraulelent charge on both before.

Bank basically said, "Eh, really? We thought it was legit. Can't help ya, but well help you move your accounts to new numbers."

Was a national bank too.....


CC was smooth as can be....


So you can take your smug attitude and shove it.
This post was edited on 6/26 at 10:23 am


wegotdatwood
Member since Aug 2009
17094 posts

re: Online Purchases only on CC
quote:

One was Chase Sapphire Preferred and the Other was the NFL Barclay Card



Thanks for the heads up, wish I could have gotten the nfl card when it was spend 1k, get $400.


All: Get pend fed gas card for 5% at gas stations. I get about $15 a month auto added to my account and the only thing I buy is gas with that card.


Replies (0)
Replies (0)
LSUAfro
LSU Fan
Baton Rouge
Member since Aug 2005
11114 posts

re: Online Purchases only on CC
quote:

It's called experience.
It's called legal rights.
quote:

Ive gotten a fraulelent charge on both before.
As have I.
quote:

CC was smooth as can be....
I had the opposite exeprience.
quote:

So you can take your smug attitude and shove it.
There seems to be a lot of misunderstanding on this. I shouldn't have been smug. My bad


Page 1 of 2

Back to top

Follow TigerDroppings for LSU Football News
Follow us on Twitter, Facebook and Instagram to get the latest updates on LSU Football and Recruiting.

FacebookTwitterInstagram