credit card for online shopping

edd78

hi all

what is the best credit card for online transactions up untill now i was using my debit card for security reasons i have opted not to use this method i don't know if it's best to use one from my bank which is halifax bank of scotland i don't really buy a lot from online shopping maybe about 4 purchases a year

opinions4u

Halifax may be most likely to issue a card.
http://www.halifax.co.uk/creditcards/

A cashback or points card would be better value. Link at the top of the page.

dalesrider

edd78 wrote: »

hi all

what is the best credit card for online transactions up untill now i was using my debit card for security reasons i have opted not to use this method i don't know if it's best to use one from my bank which is halifax bank of scotland i don't really buy a lot from online shopping maybe about 4 purchases a year

There is no such thing as best for online purchases. If the card provider uses Visa, then they are all work to the same regulations. Same if they provide mastercard.

What security diffrences do you mean?

Gromitt

Maybe means that if they get defrauded, they would prefer the fraudster to take the banks money rather than emptying their current account and having bills bouncing. Its never good when that happens.

dalesrider

Gromitt wrote: »

Maybe means that if they get defrauded, they would prefer the fraudster to take the banks money rather than emptying their current account and having bills bouncing. Its never good when that happens.

I guess many people are not aware that you actually get refunded quicker on a debit card then, where fraud is concerned.

Also keeping a regular check on your account will ensure that no bills will bounce.

rb10

dalesrider wrote: »

I guess many people are not aware that you actually get refunded quicker on a debit card then, where fraud is concerned.

Is that really the case?

My (one) personal experience of credit card fraud is that the card company refunded me immediately.

reclusive46

dalesrider wrote: »

I guess many people are not aware that you actually get refunded quicker on a debit card then, where fraud is concerned.

Also keeping a regular check on your account will ensure that no bills will bounce.

Yes but you don't pay for the fraud in the first place and from personal experience I've had American Express credit a fraud refund almost instantly (Mind you this was a long time ago).

edd78

dalesrider wrote: »

There is no such thing as best for online purchases. If the card provider uses Visa, then they are all work to the same regulations. Same if they provide mastercard.

What security diffrences do you mean?

what i am referring to is if some one gets hold of your bank details then they can empty your account ect if i use a cedit card then it is not linked to to your bank account

dalesrider

edd78 wrote: »

what i am referring to is if some one gets hold of your bank details then they can empty your account ect if i use a cedit card then it is not linked to to your bank account

And as soon as you report the fraud. The funds are back in there.

PSD, ensures that any fraudulent debits are refunded straight back into your account. In the cases I deal with that is within minuites of ending the conversation with the customer.

Fraud on a credit card will only be refunded in a few days. No PSD on credit cards.

Yes I know some people think that as its a credit card its not their money, and with a debit card it is their money.

All I'm saying is both are as secure as can be and I would not let not having a credit card put anyone off buying online.
In fact more cards are compromised at highstreet retailers, than online ones.