Ordering online, use credit card or debit card?

longwalks1

What offers more protection for purchases and having your card details copied/cloned, debt card or credit card? Looking to order online and not used the website before, and very rarely use either to order or pay for stuff as most things I still use cash (I am very old skool)

Thanks in advance

Paully232000

I would use a CC if the purchase is over £100

HappyMJ

britishboy wrote: »

What offers more protection for purchases and having your card details copied/cloned, debt card or credit card? Looking to order online and not used the website before, and very rarely use either to order or pay for stuff as most things I still use cash (I am very old skool)

Thanks in advance

My first option would be Paypal especially for orders under £100. They have a very easy to use dispute procedure. I've used it before to get a refund on fake goods before. Seller did not dispute. Paypal refunded and I got to keep the goods. They were so bad I had lots of fun destroying them.

My second option would be a credit card and especially for orders over £100 and finally a debit card.

grumbler

britishboy wrote: »

What offers more protection for purchases

Both offer chargeback protection: Visa, Mastercard & Amex Chargeback

CC offers Section 75 protection as well, but some companies charge extra for CC payments.

and having your card details copied/cloned

No difference.

SuperHan

grumbler wrote: »

No difference.

Not quite true... While the risk of having your details stolen is equal, if somebody runs up huge transactions on your CC, your money isn't impacted, the bank's is.

On a debit card, if they run up a huge bill on the day you were supposed to pay direct debits out and they bounce because of insufficient funds, you could find yourself in more of a pickle.

I use my CC more online, as if someone was going to steal and use my details, I'd rather it be on a credit card than a debit card.

Missus_Hyde

Paully232000 wrote: »

I would use a CC if the purchase is over £100

Me too and I always use a CC for purchases if I'm not collecting the goods immediately ( for example carpets or furniture) just in case there's a problem between ordering them and actually receiving them.