Credit Card for Internet

Miss_Molly

After 27 years, my trusty credit card with a £500 limit and paid back in full every month is being discontinued by my bank.



I'm struggling to find something similar out there. I really don't want a credit limit of much more than I have already in case something goes wrong. CC companies seem to want to give me vast sums of credit and don't want to reduce it to anywhere near that value.


Any suggestions?

Jeems

I'd ignore what credit limit they gave you and stick to your own £500 personal limit. What could go wrong if you exercise a bit of self control??

Marchitiello

Jeems wrote: »

I'd ignore what credit limit they gave you and stick to your own £500 personal limit. What could go wrong if you exercise a bit of self control??

I think the OP wants a low limit so if Internet fraud happen the loss cannot be more then £500

Miss_Molly

Marchitiello wrote: »

I think the OP wants a low limit so if Internet fraud happen the loss cannot be more then £500

Exactly. In the last few years, the card has been replaced 4 times due to fraudulent activity. Never more than a few pounds. I'm careful of the internet sites I use it on, but if I do have to go to a site I'm not familiar with, then it's not the end of the world if something goes wrong.
Apart from the internet, I'll use this card at machines that can easily be tampered with, such as the rail ticket machines.
I rarely spend more than £150 a month.

dj1471

You're not liable for fraudulent use, so the limit is irrelevant.

[Deleted User]

I use a pre-paid card for internet shopping.

I top it up immediately before buying something, and the balance at other times is seldom more than about £10.

Not being linked to my bank account (like a Debit Card), or a Credit account (like a Credit Card), a fraudster can only steal what's on the card.

bubieyehyeh

Could try aqua card, they give low limits, and I think they still have a card that pay 0.5% cashback.

Nasqueron

If you've lost money to card fraud several times I really suggest having your computer properly checked for malware and use better websites

Miss_Molly

dj1471 wrote: »

You're not liable for fraudulent use, so the limit is irrelevant.

True, but it is still stressful when it's getting sorted out. I would prefer not to have that stress.

Miss_Molly

Bedsit_Bob wrote: »

I use a pre-paid card for internet shopping.

I top it up immediately before buying something, and the balance at other times is seldom more than about £10.

Not being linked to my bank account (like a Debit Card), or a Credit account (like a Credit Card), a fraudster can only steal what's on the card.

I like the protection the CC gives me if I'm buying anything significant and there are issues with it / delivery.

Miss_Molly

Nasqueron wrote: »

If you've lost money to card fraud several times I really suggest having your computer properly checked for malware and use better websites

All up to date. Twice it has been personnel that work for the companies I've bought from and twice it's been the Rail Ticket Machine which has been altered. As it's an unmanned station there's not a lot of choice.