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Warning to everyone about scam websites selling 3 Series cards

It's just about only spending what you can afford...if you're an impulsive spender that will just see it as free money then stay away, its simple really, just use it like you would your debit card, would you buy X item normally if you just had your debit card?

If you're in the game for dodgy websites to buy graphics card i'd be getting one... but as a lot of other users here i'd only ever buy such an item from a reputable source, due to security and for warranty purposes.
 
Lots of great advice.

I'm going to review my security Policies.

Looks like buying Things on credit Card and paying off the balance every month is better way than debit card.

Its madness, this system Encourages Ppl go into det. I never had negative balance and have no need for it.

Now I'm definitely Parking my debit card and switch to credit card.

And we live and learn every day.
 
I don't have one but to be fair I pretty much only use a few major sites now for a whole slew of good reasons. Saying that, I will use Paypal whenever possible on sites I do not have good knowledge of as the protection offered is very good. I will also continue to use Paypal on that crappy auction site.
 
Benass said:
u see a online shop. u buy something. it never arives. u contact your bank. they cant help u. happy days.
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I don't know about you, but every time I have seen some sort of scam or whatever, the bank has never been able to do anything. What happened to all those guarantees of safe shopping??
 
pp111 said:
I don't know about you, but every time I have seen some sort of scam or whatever, the bank has never been able to do anything. What happened to all those guarantees of safe shopping??
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He paid by debit card which limits the bank's liability and their ability to do anything. Payment by credit card for anything over £100 (or even a part payment as long at the total cost is over £100) provides significantly more protection (Section 75).
 
My sympathies to the OP, I was once scammed in a similar way but thankfully paid by credit rather than debit and got my money back. I would love to say I was smart but it was pure chance but I was told by the bank that there are far more protections for credit card payments.

It is very possible to live within your means and have a credit card, the problems arise when a person has no self control and lives well beyond their means.
 
Benass said:
Lots of great advice.

I'm going to review my security Policies.

Looks like buying Things on credit Card and paying off the balance every month is better way than debit card.

Its madness, this system Encourages Ppl go into det. I never had negative balance and have no need for it.

Now I'm definitely Parking my debit card and switch to credit card.

And we live and learn every day.
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If you've never had credit it actually makes getting e.g. a mortgage more difficult, having a credit card with a small limit and paying it off every month massively improves your credit score
 
As many others have mentioned, one of the easiest and best protections you can get will be via credit card purchases (Section 75). This will cover you for £100-30,000 even if just 1p is charged to the credit card. The value restrictions are defined by the total cost of the good or service being purchased with the credit card, not how much is charged to the card itself.

PayPal Credit falls with Section 75 but their other payments may not. If PayPal is being used by the vendor as "merchant acquiring service" which means PayPal is being used a traditional (though indirect) payment service then you are still covered under Section 75 if you use a credit card. However, if they are not then you may not the covered (court cases have conflicted with ombudsman findings) and will have to rely on PayPal to resolve.

Hence purchases via a credit card still trump PayPal for me.
 
The saddest part is, when u call your bank 10 min after making a purchase and asking them for help, and they say they can't help u until the money is gone through. I find thos annoying .
 
Benass said:
The saddest part is, when u call your bank 10 min after making a purchase and asking them for help, and they say they can't help u until the money is gone through. I find thos annoying .
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Agree, had that a few times before. It has to do with how the payment systems (usually Bacs or Faster Payments for these) are designed so the banks aren't just being lazy or difficult. It's part of the process and it's not controlled by the bank.
 
Bugbait said:
Agree, had that a few times before. It has to do with how the payment systems (usually Bacs or Faster Payments for these) are designed so the banks aren't just being lazy or difficult. It's part of the process and it's not controlled by the bank.
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I understand, but it's still so sad to an average Person
 
You have to watch Paypal when buying from somewhere other than eBay as their guarantee rules are different (worse). I had a non-IT related purchase through them (child car seat). The item came was not as advertised (it was pink and I have a son...) and the company refused to accept a return. My Paypal claim was rejected with no possibility of appeal.

Luckily managed to sell it to another dad for the same as I paid but I won't use Paypal anywhere other than eBay these days.
 
Benass said:
Its madness, this system Encourages Ppl go into det. I never had negative balance and have no need for it.
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Why would using a debit card encourage people into debt? You can't spend what you don't have using a debit card. But, it's easy to go into debt very quickly using a credit card.
 
melmac said:
Why would using a debit card encourage people into debt? You can't spend what you don't have using a debit card. But, it's easy to go into debt very quickly using a credit card.
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Debit cards offer zero protection, credit cards you are basically protected against both fraud and faulty goods
 
melmac said:
yes, that's an advantage of using a credit card. However that's not what I asked him about.
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thats what i said.
Responsible one uses debit card and gets no protection. Use credit card get protection and y go into det. I think Debit cards should have as much protection as credit cards have.
 
andybird123 said:
I only use credit card or paypal for all purchases and just have the direct debit set up to pay in full each month. Anyone still using debit cards or bank transfers in this day and age... I mean this is supposed to be a tech savvy forum.
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I know I thought that too, never, ever, ever, ever and I'll throw in one more just for good measure 'ever' use your debit card online or directly expose your bank account in anyway, always use the shield of credit cards, even my Paypal actually draws from my Credit card not my bank account. I don't use my debit card for anything anymore really, once or twice a year or so I might draw some cash with it but other than that it just doesn't get used, I only use my credit card/Paypal, online and in shops (haha remember those!). I just pay my Credit Card bill in full every month and never pay any interest on it, I don't actually use direct debit to pay it myself as I like to 'authorise' it every time just incase there is something on there that shouldn't be, but that doesn't take long.

I have never really understood this argument people have and have been having for aslong as I can remember about debt, you're technically in debt for all of about 3 and a half weeks and never pay any interest if you clear the debt before the payment window rolls over, you also 'should' know what you can spend anyway, regardless of where you are drawing it from, don't people just 'know' this ...I always have done and never had any difficulty with it, it's really not hard at all and is nothing to do with the amount of money you make or have either ...well I suppose if you make enough you probably don't know personally but you also probably pay someone else to know for you :p

So I say to anyone who cares to listen, lose your grandparents mindset and join the 21st (or late 20th for that matter) century. If you are a person who can't help but treat a credit card as 'free money' ...well you've got bigger issues than I know how to tackle I'm afraid, good luck with that, but I get why you wouldn't want one, I don't really understand how you can lack that self control and be an adult at the same time, but I recognise it is a real thing so I'll say no more on that. Most of the people I hear actually come up with arguments against even possessing a credit card, never actually have when you prod them on it a bit and many seems to have known someone who got themselves into a debt mess once.

So you aren't being 'responsible' by not having a credit card, actually you are leaving yourself open to losing money more easily to fraud than you otherwise would be, so in effect you are being irresponsible now. Unless you are a person who really can't control themselves of course, then yea.

Reading this back I realise this may have come off as a lecture and a rant ...that wasn't really my intention exactly but I do stand by what I said at least. Sorry if I rubbed anyone up the wrong way, probably have but I've been quite successfully offending people's sensibilities for years now so I'm used to it :p
 
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Yes quite a rant but it must be rememberd that some people simply don't work like that. It is easy to think other people should be more like you but I know more than a few people who got massively into debt with credit cards. Thy would max out one credit card, then max out another to pay off the first and eventually be thousands (or tens of thousands) in debt. Then they would complain that the credit card companies are to blame for their lack of self control.

So if you are that kind of person, who has no self control with credit and debt then the lessons is not "use a credit card", but be aware you have no protections with debit online.
 
Benass said:
thats what i said.
Responsible one uses debit card and gets no protection. Use credit card get protection and y go into det. I think Debit cards should have as much protection as credit cards have.
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Sorry, but that doesn't answer my question. That's an advantage that Credit cards have over Debit cards, but doesn't explain why you think having a debit card encourages people into debt.

Like debit cards don't have buyer protection, but, you can't spend more than what's in your current account.

Credit cards, however, lets you spend money you don't actually have. Which can lead to heavy debt if you aren't careful.
 
melmac said:
Sorry, but that doesn't answer my question. That's an advantage that Credit cards have over Debit cards, but doesn't explain why you think having a debit card encourages people into debt.

Like debit cards don't have buyer protection, but, you can't spend more than what's in your current account.

Credit cards, however, lets you spend money you don't actually have. Which can lead to heavy debt if you aren't careful.
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You missunderstood me. I tried to say having Credit cards encorage ppl go into debt. I might have said it incorectly.
 
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