Freelancer.com

Go Back   Warrior Forum - The #1 Internet Marketing Forum & Marketplace > The Warrior Forum > Main Internet Marketing Discussion Forum
Register Blogs Social Groups CalendarHelp Desk

Reply
LinkBack Thread Tools
Unread 21st June 2010, 10:42 AM   #1
Advanced Warrior
War Room Member
 
Join Date: 2010
Posts: 781
Thanks: 16
Thanked 42 Times in 41 Posts
Default is it safe to use visa debit card for online purchases?

I am going to make purchases online such as adwords advertising, facebook ads, and other advertising purchases, just wanted to know if debit card is safe to use online?

you can share your personal experiences

thanks
harro1 is offline   Reply With Quote
Unread 21st June 2010, 10:49 AM   #2
HyperActive Warrior
 
Join Date: 2008
Posts: 251
Thanks: 113
Thanked 51 Times in 23 Posts
Default Re: is it safe to use visa debit card for online purchases?

I can only speak for the UK, as consumer protection laws vary from country to country. In the UK you should ALWAYS use a Credit, not debit, card for online purchases.

If you do you are 100% protected by law, whether its non-delivery, fraud, substandard goods etc. Your credit card will refund you as soon as you complain. They have to. Debit cards are different and the banks have no similar obligation.

Lucky us! Other countries will be different so I can’t comment on those.

mikeevee is offline   Reply With Quote
Unread 21st June 2010, 10:54 AM   #3
Money
War Room Member
 
Join Date: 2006
Location: USA
Posts: 2,951
Thanks: 123
Thanked 452 Times in 203 Posts
Default Re: is it safe to use visa debit card for online purchases?

Quote:
Originally Posted by harro1 View Post
I am going to make purchases online such as adwords advertising, facebook ads, and other advertising purchases, just wanted to know if debit card is safe to use online?

you can share your personal experiences

thanks
There's a risk anytime you sent information over the Internet, anyone that tells you otherwise are delusional. However, credit cards tend to minimize your liability. If you have no choice but use a debit card then constantly monitor your account to make sure that you dont see any suspicious payments, because with this way if your information gets stolen you will be able to report it efficiently and not be stuck with a bill.

dougp is offline   Reply With Quote
Unread 21st June 2010, 10:59 AM   #4
HyperActive Warrior
War Room Member
 
Seattle Mike's Avatar
 
Join Date: 2005
Location: Seattle, WA
Posts: 239
Blog Entries: 3
Thanks: 103
Thanked 41 Times in 38 Posts
Default Re: is it safe to use visa debit card for online purchases?

Much safer using a credit card.

Debit cards give access to your whole bank account.
Even if you catch it and the bank gives you your money back. It is gone until then which might be awhile. An empty bank account would be painful.
Seattle Mike is offline   Reply With Quote
Unread 21st June 2010, 11:00 AM   #5
Cranky Beach Guy
War Room Member
 
Beachboard's Avatar
 
Join Date: 2010
Location: Sunny SoCal
Posts: 18
Thanks: 7
Thanked 3 Times in 3 Posts
Default Re: is it safe to use visa debit card for online purchases?

Oddly enough, or maybe not, I like using my Paypal debit card because it is one step removed from my actual bank account. I can control my maximum loss by how I fund it, and there are still protections.

It is easy to obtain once you have a Paypal account.
Beachboard is offline   Reply With Quote
Unread 21st June 2010, 11:09 AM   #6
Banned
 
mainstreetcm's Avatar
 
Join Date: 2010
Location: Colorado
Posts: 443
Thanks: 6
Thanked 61 Times in 50 Posts
Default Re: is it safe to use visa debit card for online purchases?

I personally have felt completely safe using my credit/debit cards online. I've never ever had a situation arise where my account was compromised. I also have 24 access to my bank and credit accounts, so even if something did happen I would know about it very quickly.

mainstreetcm is offline   Reply With Quote
Unread 21st June 2010, 11:12 AM   #7
Advanced Warrior
War Room Member
 
Join Date: 2010
Posts: 781
Thanks: 16
Thanked 42 Times in 41 Posts
Default Re: is it safe to use visa debit card for online purchases?

thanks for the reply guys,
yes i dont have any option apart from using visa debit card, i have paypal but most advertising platforms don't accept it such as adwords,pulse 360,facebook .

if anyone is using debit card on consistent basis, then please share it here.

thanks
harro1 is offline   Reply With Quote
Unread 21st June 2010, 11:16 AM   #8
Active Warrior
War Room Member
 
Join Date: 2009
Posts: 29
Thanks: 14
Thanked 4 Times in 4 Posts
Default Re: is it safe to use visa debit card for online purchases?

Are you asking about Visa, specifically, or debit cards in general?
Rella is offline   Reply With Quote
Unread 21st June 2010, 11:19 AM   #9
Advanced Warrior
War Room Member
 
Join Date: 2010
Posts: 781
Thanks: 16
Thanked 42 Times in 41 Posts
Default Re: is it safe to use visa debit card for online purchases?

Quote:
Originally Posted by Rella View Post
Are you asking about Visa, specifically, or debit cards in general?
i am going to use visa debit card, so yes i am asking about visa d.c only,
thanks
harro1 is offline   Reply With Quote
Unread 21st June 2010, 11:20 AM   #10
"What's so only?"
War Room Member
 
Frank Donovan's Avatar
 
Join Date: 2008
Location: London, UK.
Posts: 1,989
Thanks: 1,019
Thanked 2,600 Times in 1,210 Posts
Default Re: is it safe to use visa debit card for online purchases?

Quote:
Originally Posted by harro1 View Post
thanks for the reply guys,
yes i dont have any option apart from using visa debit card, i have paypal but most advertising platforms don't accept it such as adwords,pulse 360,facebook .

if anyone is using debit card on consistent basis, then please share it here.
You could get a PayPal debit card (top up card) which can be used wherever Visa is accepted. That way, you'll only be liable for the amount you've loaded onto the card.

If you just load on enough funds each time to cover a specific purchase, it's a lot safer than a standard bank debit card.

Frank

Intimidatory writing is for wimps.
Frank Donovan is online now   Reply With Quote
Unread 21st June 2010, 11:40 AM   #11
Advanced Warrior
 
~kev~'s Avatar
 
Join Date: 2008
Location: Texas
Posts: 930
Thanks: 26
Thanked 149 Times in 133 Posts
Default Re: is it safe to use visa debit card for online purchases?

Since I do not have a credit card, I have no option but to use a debit card.

Even though the recommended way to buy stuff online is through a credit card, there are those of use that live credit free - except for a house note. I see no reason to change my way of life, just to buy something online.

I choose not to have a credit card because of the finical burden that can follow. By using plastic money its too easy to live above your means - until the bills come due with 21% interest.

Live credit free and use a debit card.

~kev~ is offline   Reply With Quote
Unread 22nd June 2010, 04:03 AM   #12
HyperActive Warrior
War Room Member
 
Join Date: 2010
Posts: 255
Thanks: 6
Thanked 15 Times in 14 Posts
Default Re: is it safe to use visa debit card for online purchases?

I have to agree that without a credit card you're credit free but you could put it to good use sometimes. However when purchasing online, credit cards are safer to use since they are also monitored by banks. It'll be easier to make adjustments if need be.
MassiveMarketer is offline   Reply With Quote
Unread 22nd June 2010, 04:17 AM   #13
Active Warrior
War Room Member
 
Join Date: 2009
Location: New Zealand
Posts: 63
Thanks: 42
Thanked 1 Time in 1 Post
Default Re: is it safe to use visa debit card for online purchases?

Quote:
Originally Posted by harro1 View Post
thanks for the reply guys,
yes i dont have any option apart from using visa debit card, i have paypal but most advertising platforms don't accept it such as adwords,pulse 360,facebook .

if anyone is using debit card on consistent basis, then please share it here.

thanks
I don't have a credit card and only use my Visa debit card (new zealand) - but even when I was in the UK I only ever used my Visa debit card not a credit card - CC is too easy to overspend, debit has a lower limit - that which is in my account!

However, I have a separate account which I use for the internet - it doesn't come out of my every day account. Hope that helps.

Cheers, Lalla

It took me a WHOLE YEAR before I found what worked for me.
If it hadn't worked I'd have got double my money back!
Click here for my no B-S review and judge for yourself!
Formulam is offline   Reply With Quote
Unread 22nd June 2010, 10:11 AM   #14
Advanced Warrior
War Room Member
 
CliveG's Avatar
 
Join Date: 2009
Location: Cornwall, United Kingdom
Posts: 653
Thanks: 14
Thanked 46 Times in 45 Posts
Default Re: is it safe to use visa debit card for online purchases?

Quote:
Originally Posted by mikeevee View Post
I can only speak for the UK, as consumer protection laws vary from country to country. In the UK you should ALWAYS use a Credit, not debit, card for online purchases.

If you do you are 100% protected by law, whether its non-delivery, fraud, substandard goods etc. Your credit card will refund you as soon as you complain. They have to. Debit cards are different and the banks have no similar obligation.

Lucky us! Other countries will be different so I canít comment on those.
This is not 100% true. You have protection for UK purchases where the cash price of the goods or services is more than £100 and not more than £30,000. And it can be very difficult to obtain payment.

CliveG is offline   Reply With Quote
Unread 22nd June 2010, 11:20 AM   #15
Learn ScreenFlow 4
War Room Member
 
Marty S's Avatar
 
Join Date: 2009
Location: Toronto
Posts: 1,805
Blog Entries: 21
Thanks: 502
Thanked 579 Times in 382 Posts
Default Re: is it safe to use visa debit card for online purchases?

Must admit to hearing my grandmother's voice when reading the OP.

Marty S is offline   Reply With Quote
Unread 22nd June 2010, 11:23 AM   #16
Carol
War Room Member
 
rosetrees's Avatar
 
Join Date: 2008
Location: UK
Posts: 3,718
Blog Entries: 16
Thanks: 557
Thanked 1,323 Times in 865 Posts
Default Re: is it safe to use visa debit card for online purchases?

I've always used a visa debit card online. Until a couple of weeks ago I didn't have a credit card. Now that I have, I probably won't use it.


Want to learn to play American Standard bridge? Click Here
Want to learn to play Acol bridge? Click Here
rosetrees is offline   Reply With Quote
Unread 22nd June 2010, 11:25 AM   #17
HyperActive Warrior
 
eQuus's Avatar
 
Join Date: 2009
Posts: 193
Thanks: 78
Thanked 35 Times in 28 Posts
Default Re: is it safe to use visa debit card for online purchases?

I've been using a visa debit card for online buys for over 15 years no problem. I wouldn't use it for overseas purchases though, because they have systems and laws different than the U.S. For overseas purchases Paypal's the way to go.
eQuus is offline   Reply With Quote
Unread 22nd June 2010, 11:30 AM   #18
www.3xListBuilding.com
War Room Member
 
Nathan Rufus's Avatar
 
Join Date: 2009
Location: East London, UK
Posts: 95
Thanks: 6
Thanked 22 Times in 9 Posts
Default Re: is it safe to use visa debit card for online purchases?

Hey harro1

Again speaking for the UK it is much better to use your credit card. Automatic insurance on various types of fraud commited on your account.

But in saying that it will all depend on your bank. I use my debit card for online purchases.

Fraud was ATTEMPTED on my debit card but my bank, who have a team who keep a close eye on all transactions, managed to stop the transaction going through. They called me, asked a lot of security questions, and then told me that my card had been stopped so that any further attempts couldn't happen.

Only thing was is that I was due to go on holiday in the next 3 days and had no other way to access my money. (...Bummer...)

All worked out in the end though and was thankful that they stopped the card.

Just stick with your credit card.

Reach new heights and good luck,

Nathan

Nathan Rufus is offline   Reply With Quote
Unread 22nd June 2010, 11:57 AM   #19
HyperActive Warrior
War Room Member
 
ChrisDouthit's Avatar
 
Join Date: 2008
Location: Denver, USA
Posts: 446
Thanks: 28
Thanked 164 Times in 53 Posts
Default Re: is it safe to use visa debit card for online purchases?

I use both my credit card and debit card for online purchases. Just really depends on where I am purchasing from. If its not a store I know I always use credit it. If I am purchasing from somewhere like Amazon I have no problem using debit.

ChrisDouthit is online now   Reply With Quote
Unread 22nd June 2010, 01:35 PM   #20
Active Warrior
 
Join Date: 2010
Posts: 86
Thanks: 3
Thanked 1 Time in 1 Post
Default Re: is it safe to use visa debit card for online purchases?

Since all you have right now is a debit card, go ahead and use it but you will be much safer if you get a credit card, particularly if its accessible in your environment.
OLOORE is offline   Reply With Quote
Unread 22nd June 2010, 02:47 PM   #21
Warrior Member
 
Join Date: 2010
Location: Ewing, NJ
Posts: 18
Thanks: 0
Thanked 1 Time in 1 Post
Default Re: is it safe to use visa debit card for online purchases?

I always say it's better to use a credit card vs a debit card for online purchases because if something goes wrong I rather have a high credit card bill that I can fight rather than no money in my bank account.
andrewreasoner is offline   Reply With Quote
Reply

  Warrior Forum - The #1 Internet Marketing Forum & Marketplace > The Warrior Forum > Main Internet Marketing Discussion Forum

Bookmarks

Tags
card, debit, online, purchases, safe, visa

Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off




All times are GMT -6. The time now is 01:37 PM.