Credit Card Alternative for On-line Shopping?
Question: I was wondering if anyone knew of any kind of “pre-pay” card that can be used for on-line shopping. I don’t have credit cards, but sometimes there are things that I can find on-line that I can’t find anywhere else, or I can find them at a better price. But what’s a person to do if they don’t have a major CC?
By the way, I’m one of those lucky people that got my credit identity stolen. Someone applied for multiple credit cards in my name. Fortunately none were approved, but it was a mess to clean up my credit records just the same. I’ve gotten my credit straightened out, but I don’t really want to start the whole CC thing again just to shop online. Right now my mother lets me use hers. Any ideas guys?
Answer: You should NEVER use a debit card when shopping online. Debit cards are not secure (meaning that if someone were to use your number to buy anything they pleased then you’re stuck paying for it, where with a credit card you can dispute fraudulent charges).
I know several people who’ve ended up paying for someone else’s shopping ventures because they used a debit card online. I, personally, use a credit card that has no annual fee. I pay it off every month so it doesn’t accrue interest. When I make a purchase with it I write the purchase amount in my checkbook & pretend the money isn’t in there anymore so that I won’t spend it. With the buyer protection it provides I find it 100% worth it and it’s free for me to use since I never pay any interest!
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