OT-Systems breaking down....
 

"Dave" wrote in message
...
On Sat, 5 Apr 2008 10:17:17 -0700, "Capt. JG"
said:

Debit cards have
problems of fewer protections in case of fraud, and I don't like the idea
of
money coming directly out of my account. I mostly use it to get cash from
an
ATM.

Banks don't like to advertise the fact, but you can get an ATM card that
isn't a debit card. I recently did, just for the reasons you cite.

PayPal has its good points, but has been flakey from time to time. They
attempted to charge me for a fraudulent transaction on an approved PP
account, but I fought it and they relented. You have to read the rules and
review all "updates" to the rules to be sure.

The trick here is to use AMEX with Paypal. Even if Paypal says they can't
reverse a charge, AMEX will.


Interesting... I'll check out both of those!

--
"j" ganz @@
www.sailnow.com

OT-Systems breaking down....
 

"Dave" wrote
Banks don't like to advertise the fact, but you can get an ATM card that
isn't a debit card. I recently did, just for the reasons you cite.


Depending on your relationship with your bank, you can get a lot of
services that aren't on the list.

PayPal has its good points, but has been flakey from time to time.

IMHO PayPal is not worth my time. It may be a great service for some
but I don't use it, don't miss it. Part of keeping life simple.

"Dave" wrote
The trick here is to use AMEX with Paypal. Even if Paypal says they can't
reverse a charge, AMEX will.

Several credit companies have the attitude that the cardholder is
their customer and will back you in purchase disputes. I'm not
surprised that AMEX has this attitude, they are a good company and
I've used a variety of their services for years.

The last time I had a credit card company refuse to issue me a credit
for returned merchandise was the last time I cut up a credit card and
told them "Tough luck." However, you should read the fine print on
your checking and/or savings account because many banks will honor
payment requests from credit companies without your authorization. If
you use a credit card issued by the bank holding your account(s), then
you have no option in such a dispute.

"Capt. JG" wrote:
Interesting... I'll check out both of those!


Another thing to check out is single-use credit card numbers. Utterly
scam proof, since any further charges on that "credit account" are
automatically bounced.

DSK

OT-Systems breaking down....
 

On 2008-04-07 10:54:02 -0400, Dave said:

On Sun, 6 Apr 2008 08:56:41 +0200, "Steve Lusardi"
said:

"Online Transfer /Direct Debit" is either not available or very
expensive in the US

I disagree. That's how I pay many of my bills: direct debit from a bank
account.

--
Jere Lull
Tanzer 28 #4 out of Tolchester, MD
Xan's pages: http://web.mac.com/jerelull/iWeb/Xan/
Our BVI trips & tips: http://homepage.mac.com/jerelull/BVI/