Best internet credit card?

RudeShark_3

Hi everyone.

Couldn't find any existing postings about this...

Taking into consideration the T&C etc. which is the best credit card to have for internet purchases?

Mainly with regards to protection and included insurance when buying from retailers or eBay etc.?

I've had occasions where I've bought from sites and then wondered after a period whether I'd receive the goods. If I hadn't, would any cards cover me?

Cheers,

RS.

Reaper

It doesn't matter. Even though some try to promote themselves as good for internet use it doesn't make any difference. ALL of them will refund you if you order goods which never arrive.

The only exception might be if you want to order goods from abroad paying in a foreign currency. If so use Nationwide because it is the only one which doesn't add extra charges.

EDIT: Thinking about it a bit more I believe the credit cards only have to cover you on purchases over £100, although in practice most will do much less. Nationwide refunded me for just over £6 on a DVD I ordered when the company went bust.

Unbelievable_2

Barclaycard have Internet Delivery Protection. If you purchase something on-line using your card and it doesn't turn up or it's damaged when it does, and you can't get any joy from the supplier, Barclaycard will refund the price paid (up to a maximum of £5000).

Reaper

Like I said, cards such as Barclaycard promising extra internet protection are meaningless. From the CAB web site:

If the goods or services are valued between £100 and £30,000 both creditor and supplier are responsible

So using ANY credit card gives you the ability to claim against either supplier or credit card company. That is not just if the goods fail to arrive either. "Goods must match their description, be fit for their purpose and of satisfactory quality." Note that the £5000 Barclaycard limit is therefore unenforceable. They would have to cover you up to £30,000.

Article here.

RudeShark_3

That's great suff, thanks.

On the other side of the internet/credit card coin, do any of them offer better protection against fraud? Where card numbers have been stolen or used fraudulently?

Most people don't realise until their statement comes. Do any cover that sort of thing? I guess it's the same situation as the restaurant/waiter thing.

Reaper

Once again no difference.

The Consumer Credit Act 1974 and the European E-commerce Directive 2002 ensure that all consumers are protected from fraud whenever they use their credit cards.

Source

The exception to this is if the credit card company thinks you have been negligent. e.g. Posting your credit card number, expiry date and security code on these public forums would be negligent. As would taking 3 weeks to getting round to mentioning your card had been stolen. But as long as you take sensible precautions you are not liable for fraudulent use whether in a shop or via the internet.

I had over £2000 fraudulently put on my credit card recently. It took about 6 weeks but I got all the money back.