Question about debit card payment method

[sickofanalogs]

Hey all, I don't feel comfortable using a credit card online and so have been thinking about going to my local bank and opening a debit card account. As I understand, they are just like a credit card and are usually accepted at most places and online as well. How many of you use a debit card from your local bank for payment purposes for your e-cig paraphernalia? Thanks!

 

[cndmrapper]

I use a debit card that is linked to my checking account. It has the visa symbol in the lower corner and works exactly like a credit card. They have the 16 digit number, expiration date and the 3 digit security number on the back. Just enter it in like a regular credit card and you are all set.

 

[shadowseed]

I have used a few different vendors. vaporbomb.com, liberty-flights.com, avejuice.com, bluemistvaping.com, etc... All have good reviews and I wouldn't worry about putting your information out there to these places. A bank card can actually be harder to fix fraud charges on than a credit card (if your card information was stolen somehow). If you are really worried about your card being compromised, you can go to walmart and get a prepaid visa (they come in different amounts). Once its used up you can just throw it away. Please note that there are some websites that do not allow these prepaid cards to be used for transactions. A lot of vaping sites are small companies and would probably allow you to pay by money order as well (you'd have to contact their customer serivice to find out though )

 

[AC0J]

I agree with post #2, BUT you should be safe with the credit card, IF the vendor uses a secure (https) website to take payments. Also if you contact the vendor, most of them can take PayPal without any mention of e-smoking. PayPal is the BEST way to pay online.

 

[honuhart]

I went to my bank and opened a seperate account (with debit/credit card) to use just for online purchases. If i want to make a purchase i get online and transfer the amount i need to that account. I do not have overdraft protection so whats in there after i've made my purchase is all a thief would get. I don't want to put my main account in danger if i don't have to..

 

[Maker]

Just remember a debit card is just like writing a check. You have none of the protections that a CC provides.

 

[bushmaster]

What Maker said.
You usually are putting much less at stake making a purchase online with a credit card.

 

[floridamale]

These days I use a debit card for almost everything

 

[Nomoreash]

I use my debit card for almost everything, on and offline. If you you don't want to do that nor use a credit card you can purchase pre-paid credit cards and any number of places which would safeguard your accounts.

 

[sickofanalogs]

Ok I had thought of the pre paid credit cards like that green dot offered at wal-mart. A pre-paid visa but I found out that many times they can get compromised. I saw online where there are lots of people lately who get one of those and find that their money is not available within the time frame it should be or else they put the money on the card, go to use it and are denied for no good reason... that would really steam me lol. Oh and the money order thing.. Just tried that last week and the supplier got the money order, went to cash it and had trouble.. they had to finally deposit into their bank account and wait days and days before they shipped my order. Here in OK, a money order can be cashed with no problems, works the same as cash and as long as you have valid ID, it's ok, but as I found out in this situation, it's not always the case. Does paypal accept debit cards/accounts? Thanks

 

[Bamrz]

This is exactly how I've done all my online shopping for about the past 5 years or so. I only keep enough in the account to keep from getting service charges, and transfer what I need before a purchase.

In all the time I've been shopping online, I've never had any problems. BUT.... it can happen, and I don't want my main checking account to be vulnerable.

I don't do credit cards.

ETA: Yes, Paypal will link to a debit card. My Paypal account is linked to my "online" debit (Visa) card.

I went to my bank and opened a seperate account (with debit/credit card) to use just for online purchases. If i want to make a purchase i get online and transfer the amount i need to that account. I do not have overdraft protection so whats in there after i've made my purchase is all a thief would get. I don't want to put my main account in danger if i don't have to..

 

[kabonk]

I was a victom of CC fraud last summer (not from e-cigs purchases) and the cc company was very nice about the whole thing and removed the charges and issued a new card it was a little bit of a pain but they took care of it in like 48 hours.

 

[RobotsDoItToo]

Some national banks (BoA, Chase, etc.) and credit card companies (Discover, Amex) offer a one-time card number for online purchases (if memory serves, PayPal used to offer it as well). The process is simple (at least in my experience): either online or over the phone, you arrange with your bank the purchase amount and they will give you a credit card number that is only valid for that amount, for one transaction, and usually only good for a short amount of time (a few hours). If the worst happens and someone intercepts your credit card number (virtually zero chance when dealing with a reputable vendor), you would, at most, be out the amount you and your bank agreed that "card" would be worth.

Most credit card theft occurs when someone else contacts you and solicits your card number (e-mail spam & scams), or when the company you purchased from suffers data loss (TJ Maxx had this happen a few years ago). Since you are contacting the seller of your own accord (to purchase goods or services), the first option is out. Because the card number is good for only one transaction and the merchant will have already charged your purchase, the second option will not result in a loss to you- the thief will have a credit card number that is no longer valid.

 

[FreakyStylie]

A lot of banks offer the same protection on debit cards as credit cards. It would be good to talk to a bank to find out what they offer for protection.

I used to hate online purchasing, but have been watching the issues over the years, and have been seeing the issues slowly disappearing. The biggest thing would be to purchase from reliable suppliers, like the forum suppliers. There are rules to be a forum supplier at ECF, they don't just pay money and get listed. And, most of all, do plenty of reading here . . . you will see the reviews and know who to trust. I have only received the most excellent service from the suppliers that I've used, and would recommend them to anybody!