Credit Card - for DIY Purchases

TheScullster · 2011-11-11T08:59:05+00:00

Hi allBeing somewhat old fashioned, credit is not in my life plan (except morgage).But I like the idea of the purchase insurance associated.If I am to take on a credit card solely for security purposes, intending to pay off the debt before interest is due, is there a card that the group would recommend please?ThanksPhil

Nov 11, 2011 31 Replies

Rate this thread:

Dave Liquorice 14 years ago

Bah I had something similar the other night trying to pay for car insurance online via debit card. One of the questions was "Have you ever lived or being associated with any of these address's?" The a list of half a dozen first address lines. One of which was "12 Greentree Road", which is a couple of doors down from where I have lived at a "12 Bough Villas, Greentree Road". As "12 Greentree Road" is incorrect I didn't select that line and the transaction was declined. The damn system then remembered the attempt and wouldn't let me pay via DC even 24hrs+ later, had to pay by CC and take the

1.5% fee, barstards.

Verified by Visa is a PITA, I forgot the password I could remember (shut up at the back) but it won't let you reset the password to one you have used before. The upshot is I can *never* remember the password and have enter a new, unique, one everytime...

Vote

Martin Brown 14 years ago

Verified by Visa is a near textbook example of how not to implement a secure payment authentication system. It is way too vulnerable to a classic man-in-the-middle attack. Details of its failings are online at:

formatting link

it and weep!

Vote

Mark 14 years ago

Agreed. And I've never managed to get a transaction using VWV to work at all. The page always times out.

Vote

Mark 14 years ago

Personally I think that the risk of me forgetting to pay on time is far greater. If there is a fraudulent transaction which the CC card does not spot you still have time to query the bill before the direct debit would be taken.

The anti-fraud system has only triggered once for me and it was fraud.

Vote

Andy Champ 14 years ago

I triggered for me last week.

Someone somewhere bought some Ryanair tickets (among other things) which seemed to me to be an ideal chance to catch them - they'll be at a known place at a known time, with ID.

Nothing can be done until paper forms have been exchanged between myself and the card company. Bet the bird has flown by then...

Andy

Vote

Wesley 14 years ago

Wouldn't they have to supply some details for the refund?

Vote

Dave Liquorice 14 years ago

possible

In theory the refund should go back to the card but in theory the card shouldn't have been able to be charged with the fraudulent purchases in the first place.

Invent some sob story of having to cancel the holiday because their house hand been burgled/fire and they need the cash or Aunt Bessie has died and on top of all that they have had their wallet/purse stolen so don't have that card any longer and anyway it's been stopped and the replacement hasn't arrived etc...

Vote

Part Timer 14 years ago

Verified by Visa/Secure Code I try to avoid by using Amex, but fewer companies accept it and some that do subsequently phone up and say payment didn't go through. They don't know how to handle a card number of different length, 4 digit security code etc.

Vote

hugh 14 years ago

AMEX charge the retailers a higher %age transaction fee.

Vote

NT 14 years ago

And I'm told have a habit of siding with the consumer in disputes. When I got Amex noone would accept it.

Vote

Tim 14 years ago

You're all missing the point. Get a worthwhile refund from Ryanair?? Good luck to 'em!

Tim

Vote

geoff 14 years ago

I don't

Vote

Join the Discussion

Have something to add? Share your thoughts — no account required.

Didn't find your answer?

Ask the community — no account required