Credit Card for On-line Shopping?

MasterCard for phone. Paypal for online (with MasterCard as payment)

The law should cover you for fraudulent loss. i.e. you don't have to pay for a fraudster's purchases. I can't see any use for special insurance. It's probably just a way for banks to make more money.

Use a credit card (VISA or Mastercard). On items costing over £100 you have the advantage of extra protection via the Consumer Credit Act. Tell your bank you will never use your card for ATM withdrawls.

"Mark" wrote

Thanks Mark

If you tell the bank that you will not use the card for ATM withdrawals, do they put a block on such transactions?

Phil

If the bank says it can't ban ATM use (or to save you the trouble of asking), you could make a photocopy of both sides, cut the card in two, return the pieces to them, and ask for a receipt. Obviously only do this if, as the OP suggested, the card is to be used purely for distance purchases.

I haven't found one that is prepared to do this :-( However it would strengthen your case if the card was cloned. TBH if you never use the card in an ATM or C&P machine then I don't think there is much chance that the card would be cloned.

However it is always possible for your card information to be intercepted by a criminal and the details used for online purchases. Mine was once used like this but the bank spotted the fraud straight away and issued me a new card.

"Mark" wrote

Thanks Mark

Yes the reason for my obsession with this is because our debit card details were used to buy tickets on thetrainline.com. We have never used the debit card for web site purchase and only occasionally for telephone orders, so how the info got out beats me!

Phil

In message , Jef Roe wrote

While Paypal is OK for small purchases anything over £100 and you would lose the extra protection a credit card payment gives. You would be using the credit card to buy a "service" from Paypal but not necessarily buying the goods directly with the credit card. If you bought the goods directly from the supplier using the credit card you would have the extra protection.

and you are only covered if the goods do not arrive....I have just found out.

My daughter paid 150 for an item on ebay that did not arrive and she got a full refund from Paypal. The power seller in question having 'sold' over

I paid 55 for Windows XP Pro on ebay and after 9 months it proved to be a rogue copy. Well not so much rogue, a volume license copy. Paypal said it was outside their 45 day ruling so I complained to ebay by telephone as they own Paypal. So ebay refunded me 50 but not the carriage charge of 5. I continued to complain to Paypal that their conditions state a full refund inc carriage. Eventually after about 10 emails they paid me the carriage charge.