Not against the waste of your time and for loosing peace of mind. Besides, IIRC you don't use the cards that frequently but many people do, buying different stuff from different places up to few hundred times a year. I think I do close to 200 online transactions every year.JR8 wrote:In both cases the funds were swiftly refunded by the CC company. In the first case I went to the trouble of sending them a copy of the CC receipt. In the second they didn't even ask for proof. Isn't the point of a credit card, not just the credit factor, but that they come with customer protection?
Have also had a couple cases, just in the past year, both after using CCs in the US for restaurants. Nasty place, the US.JR8 wrote:Twice in thirty years; hardly a waste of time. The first instance (the 'olden days') I wrote the bank a letter. The second they telephoned me, ....
I do have a CC now, but only really use it where it is required. Either hotels or flight bookings.
x9200 wrote:NorrinRadd wrote:What's with the attitude? I wasn't asking for advice to do or not do, nor do I care what you do or not do.
So sorry if I wasted your time, you took more time whinging than understanding the question.x9200 wrote:If you don't care about the opinions given to you on this forum then why do you ask for any advice in the first place and waste other people time?
Again, the attitude. Who said anything about a "problem", that is your spin and emotional reaction talking.x9200 wrote:The reasons why to use PP were clearly stated. If you are not able to comprehend the responses its only your problem but I will go the extra mile and iterate it for you:
See, that wasn't so difficult, was it?x9200 wrote: - PP provides good buyer protection
- PP is more convenient to use (password based system - no need to key in all the cc info every time)
- PP is a well established agent with good track record what is often not the case for individual merchants (this part is about cc security - I'd rather have the cc details stored in one place I trust, than in few dozens places I trust less)
Pot. Kettle. Black.x9200 wrote:Shall you have problems understanding the above, go and find someone you pay to explain it to you. Only then you will have some rights to complain about the attitude and make fuss for receiving
responses you don't like.
Ok, this is a spin on PP I hadn't considered, the seller context, and not sure if any of the rationale to link one's CC to PP for selling had any merit for the responses to my original question, if so, my apologies. My purposes are for buying only.zzm9980 wrote:I had an absolutely terrible PayPal experience which I have discussed in the forums in the past, just search for it.
Long story short: You have *no* protections as a seller, even if you encounter a scammer. PayPal Customer service is completely automated and terrible, and even if you can clearly document how the buyer is completely scamming they have a complete "cannot la" attitude about resolving the issue. I've spoken to numerous PayPal employees on a personal level who acknowledge this. Only use PayPal as a buyer. If you sell, only link it to a US-Based AMEX card or another card which has a very strong consumer advocacy position and will take your side if you dispute charges. This is the only thing that saved my ass from losing almost S$2000.
So despite your earlier statement you actually care. Good. But the entitlement complex still needs to be fixed. I think it could be better done next time with a fresh requests of yours (if any and if needed).NorrinRadd wrote:x9200 wrote:NorrinRadd wrote:What's with the attitude? I wasn't asking for advice to do or not do, nor do I care what you do or not do.So sorry if I wasted your time, you took more time whinging than understanding the question.x9200 wrote:If you don't care about the opinions given to you on this forum then why do you ask for any advice in the first place and waste other people time?
I will go the extra mile and iterate it for you, shall you have problems understanding it, go and find someone to explain it to you.
I didn't ask advice, I asked a simple question about the purpose of using PP instead of a credit card.
Nakatago, JR8, zzm9980, Hidy Ho and kaseyma gave sensible answers without the self-righteousness or getting their panties twisted.
In your words. See, that wasn't so difficult for them, was it?
Again, the attitude. Who said anything about a "problem", that is your spin and emotional reaction talking.x9200 wrote:The reasons why to use PP were clearly stated. If you are not able to comprehend the responses its only your problem but I will go the extra mile and iterate it for you:
See, that wasn't so difficult, was it?x9200 wrote: - PP provides good buyer protection
- PP is more convenient to use (password based system - no need to key in all the cc info every time)
- PP is a well established agent with good track record what is often not the case for individual merchants (this part is about cc security - I'd rather have the cc details stored in one place I trust, than in few dozens places I trust less)
Pot. Kettle. Black.x9200 wrote:Shall you have problems understanding the above, go and find someone you pay to explain it to you. Only then you will have some rights to complain about the attitude and make fuss for receiving
responses you don't like.
Again, it wasn't a case of "don't like the answer", it was more your ability to comprehend the intent. Part of yours above (finally) and the other's answers sufficed.
I agree, and that and what some others here said does explain their rationale to use PP over a credit card for payments to merchants. But - you are giving your CC info to PP, by linking your credit card to PP, PP can charge your CC, and clearly some people are ok with this.Hidy Ho wrote: I don't want to input my CC information all over different place. I think it's more prudent to keep the information to limited number of places. For example, us-based Target company was hacked and credit card information leaked.
Most people that use (or used in my case) Paypal for selling also use it for buying. Thus, CC or Bank account linked. Anyway, my point was more that PayPal is a terrible evil organization (more so than compared to its peers, which are also varying degrees of evil) and I suggest anyone who can not use them.NorrinRadd wrote: Ok, this is a spin on PP I hadn't considered, the seller context, and not sure if any of the rationale to link one's CC to PP for selling had any merit for the responses to my original question, if so, my apologies. My purposes are for buying only.
More convenient, but less secure.x9200 wrote: - PP is more convenient to use (password based system - no need to key in all the cc info every time)
It is only less secured because of the human factor but in principle it is not and actually can be more secure as the length of the cc No is limited.zzm9980 wrote:More convenient, but less secure.x9200 wrote: - PP is more convenient to use (password based system - no need to key in all the cc info every time)
If you're using a password for financial transactions that you can remember easier than your CC information, you've already lost. What you should be doing is strong passwords per-site/service and keeping them in a password manager.
My favorite is 1Password, but it costs money. I use it. If you want free and you're cool with it only being on one system, Dashlane is recommended.sundaymorningstaple wrote:^^ This! But a general pain in the arse. ZZM, can you recommend a good Password manager that reasonably easy to use?
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