Maybe our readers can help me out with this…
I want to make a purchase via the Internet. It’s only $30. I want to protect myself so that I am not charged more than this small amount.
Although I am able to conduct other purchases online via my regular credit card on established websites (e.g. Amazon.com, travelocity.com) , I want some extra security when I purchase from websites which I don’t really trust 100%.
Q: How can I make a purchase online while protecting myself from being overcharged?
My initial answer was to use a debit card (or cash card). My thinking is, if I use a debit card (or cash card), the website can charge me only up to a ceiling of what is available in the debit card.
I inquired at BDO and at BPI. They do not have debit cards or cash cards that can be used for online purchases. eBiz also has a cash card, but one reader shared that the eBiz Visa Cash Card cannot be used for online purchases. I inquired at eBiz and the attendant couldn’t verify that information.
Any ideas from our readers?
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9 users commented in " Extra Protection for Online Purchases - via debit card? "
Follow-up comment rss or Leave a TrackbackBPI has an e-credit specifically for online purchases which uses your regular credit card’s credit line but it has a different/lower credit limit than your regular credit card. It also has a different credit card number and card validation code from your actual card so that if ever those numbers are compromised, it’s not your entire credit line at risk.
And it never hurts to check each item billed on your credit card every time you get the bill. With bpiexpressonline you can even view purchases made with your card before you get your bill.
Good thing I’m o.c. like that because it has happened to me that an online purchase I didn’t make was charged to my credit card (not BPI). I caught it before I even got my bill while I was doing my online checks. So I got to contest the charge immediately.
Another option is to use Paypal so you don’t have to give out your credit card information everytime.
Hmmm… good info there, noelle!
I was issued an e-credit card once upon a time (circa 2002) without my request. I had no use for it at that time.
I verified last week with BPI and was told that it shares the same credit statement as my regular credit card. But I didn’t know it had smaller credit limit. That comes in handy.
Thanks for the tip, noelle!
[...] few days ago, I wrote about wanting to have a credit or debit card that I can use to make small online purchases without worrying about unexpected charges more than my intended online purchase [...]
Hi there,
I’d just like to comment regarding the eBiz debit card being UNUSABLE when making purchases online… very true. I’ve tried using my eBiz Cash card for 3-4 trusted sites for some items that I was interested in but in the end, the process gave me a simple error stating that the transaction request has been denied by the bank(Chinatrust Philippines in my case).
Then I tried my credit card and it worked, no problem. Hope this helps some readers to your article.
It’s always helpful getting specific user feedback on services we write about.
Thanks adam!
I applied for an ebiz Visa Cash Card. I tried to include the debit card into my paypal account. I have the same trouble with the personnel at the local ebiz store - they can’t give me any answers either.
It’s confirmed, the eBiz Visa Cash Card is not valid for online transactions.
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I went back to the local ebiz outlet where I got my card. Restated my question. I got a reply from them that the cash card cannot be used for online transactions.
Thanks for sharing, daqcara!
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