On line shopping


takoda
on Dec 03, 2010 @ 07:45 am

Witch do you prefer to use when shopping on line, your credit card, or PayPal?

If you feel more comfortable using PayPal, would you do more on line shopping if more stores would accept it?

Myself I'm still a big chicken when it comes to using my credit card on line, so I don't do much on line shopping. I find it hard to find stores that will accept PayPal. I know if more did, I would do a lot more of my shopping on line. I also think stores just might find more people like me shopping on they're web sites if they offered PayPal along with credit card payments.

How do you feel about this and if you’re like me would you shop on line more if PayPal were offered?
 


4 Replies


mamaluv
Yes and no... on Dec 03, 2010 @ 08:48 am

Some credit cards, including the Discover brand and some Chase cards (I think?), offer one-time use numbers you can create for online shopping.

What that means is, the retailer can use it for one debit and then that number is invalid for future transactions (exception: if you sign up for recurring payments like a Credit Report service, where monthly withdrawals for the same product are made).

Every time I want to make an online purchase, I generate a fresh number for my Discover Card (the only thing that remains the same is the expiry and of course my name and billing address) to use for any retailer that accepts Discover.

I'm a big Discover fan because their cashback incentive is vastly better than most other cards without any yearly fee (but that's another topic). I have been doing this for over a year and never had a problem.

I'm also careful to shop at retailers I trust. These are either retailers with brick & mortar stores (eg. Walmart, Sephora, Bath & Body Works) or sites that have good ratings on the Better Business Bureau.

The only reason I don't like PayPal is that I can lose track of my spending so easily. PayPal debits from my account are not itemized (ie. it just says "PayPal", not "ToysRUS" or whatever), whereas my credit card bill is specific enough that I know at a glance which store I was shopping at.

Always ALWAYS do your homework when shopping online! I love it and probably shop online more than offline :)
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jchang212
Same on Dec 03, 2010 @ 09:08 am

I don't do much shopping online, but whenever I do, I use PayPal because it seems to be very trustworthy. Though I do still buy things from online stores that don't use PayPal, I'm much more hesitant about it. So, yes, I'd say I'd do more online shopping if more stores accepted PayPal.

I think shopping in actual stores has gotten me into more trouble than shopping online! A lot of stores are not careful with their debit machines, allowing people to easily download the information off the card reader. I had to change my debit card twice in about a month because it was in danger of being compromised. Ridiculous! Stores need to train their staff better about being wary of these things.
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takoda
I'm chicken on Dec 03, 2010 @ 09:24 am

I've always bin a chicken when it comes to anything on the computer where someone can steal my info. That's thanks to my old man putting all these things in my head about the computer and having my identity stolen. We only just started doing our banking on line because he didn't trust that either.



As for the credit card, I only keep one card and I'm not sure if it offers one time use numbers, but that's a good idea. I'll have to look into it, thanks for that info.



When I've used my PayPal account to shop on line it's told me how much I spent and where it was spent, but I have to admit that I've only even used it maybe five times at the most in at least two years. So it’s bin pretty easy to keep track of.



With the big shopping season on us, I was just wondering how other's felt about more web sites offering the use of PayPal and if they would shop at more web sites if they could use PayPal over a credit card.

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takoda
jchang212 on Dec 03, 2010 @ 09:42 am



Wow that's crazy! I've never had a problem with my debit card. I have seen things on the news on how easy it is for the tellers to take your info. It's so much scarier now a days then it was years ago.

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