OT using credit card to buy in UK/USA

Submitted: Monday, Jan 28, 2008 at 22:36
ThreadID: 53991 Views:2077 Replies:16 FollowUps:10
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nervous about doing this, but when a product (clothing) is $575 in OZ, $366 in UK & $335 in USA (all plus postage) its tempting.
all prices above are already converted to AUD.
is it safe to give out your credit card details to overseas companies?
ie if your credit card was hit with unexpected purchases, are you liable?

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Reply By: Derek from Affordable Batteries & Radiators - Monday, Jan 28, 2008 at 22:39

Monday, Jan 28, 2008 at 22:39
See if they accept paypal and send money that way.

Regards

Derek.
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Reply By: Gone Bush (WA) - Monday, Jan 28, 2008 at 22:39

Monday, Jan 28, 2008 at 22:39
I went to my bank and got a card with a maximum of only $2000, purely for internet transactions.
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Reply By: Member - John (Vic) - Monday, Jan 28, 2008 at 22:40

Monday, Jan 28, 2008 at 22:40
Yep!!
No!!

Why not speak to your card issuer if your so worried?
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Reply By: Off-track - Monday, Jan 28, 2008 at 23:35

Monday, Jan 28, 2008 at 23:35
Motorcycle clothing by chance???
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Follow Up By: howie - Monday, Jan 28, 2008 at 23:56

Monday, Jan 28, 2008 at 23:56
not quite, thermal flying suits actually.
but you have reminded me to look at some motorcycle gear, as its
probably as good for my needs.
best price for that stuff overseas by any chance?
prices i gave above are for exactly the same product, same name etc, made in UK.

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Follow Up By: Member - Kiwi Kia - Tuesday, Jan 29, 2008 at 07:25

Tuesday, Jan 29, 2008 at 07:25
A lot of hang gliding, parachuting and microlight flying done in NZ. Not a great range of clothes but several suppliers. have done an internet search (NZ or Aus sites only) ?
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Reply By: Motherhen - Tuesday, Jan 29, 2008 at 00:04

Tuesday, Jan 29, 2008 at 00:04
Howie, if they have a 'secure site' it is a safe as using your card in Australia. I have purchased vehicle parts from USA and occasionally purchase books through Amazon.com

Some on line businesses now have Paypal (an eBay company) which makes payment from your credit card even easier and safer.

We can get goods from the US quicker than we can get goods from the eastern states.

Motherhen
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Follow Up By: howie - Tuesday, Jan 29, 2008 at 00:33

Tuesday, Jan 29, 2008 at 00:33
they do not do on-line and this is part of the payment section.

"To place an order, give us a quick call or send us an email! We do not do "on-line" ordering because we prefer the better service and security we can offer when you contact us directly. Call or email and we will immediately confirm availability, tell you how quickly we can ship your order (usually same-day), offer various shipping options and costs, and answer all of your questions".

the company sound ok, i think i'll check with my credit card providers and see what happens if goods don't turn up.
some cards have 'insurance"

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Follow Up By: Motherhen - Tuesday, Jan 29, 2008 at 20:42

Tuesday, Jan 29, 2008 at 20:42
Hi Howie - Then i would treat them with caution.

Do not give credit card details by email as this is not secure. Giving by phone should be fairly safe.

Can you find another company with the same type of products that does have secure on line purchasing (and a history of overseas sales)?

Apart from Paypal, Credit Card is really the only way to go when shopping overseas; otherwise huge currency exchange fees kick in, whereas with credit cards, the fee is very small.

E-cheque MAY incur similar fees to any other bank transfer methods but not certain - check with your bank.

Mh
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Reply By: Member - Bucky (VIC) - Tuesday, Jan 29, 2008 at 04:57

Tuesday, Jan 29, 2008 at 04:57
I agree with Derek

Paypal is the go ,,, but the other end has to have the facility

Forget the credit cards!

You can ask if they will take a personal cheque, and send it off when it clears, that has worked for me in the past
Cheers
Bucky
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Reply By: Wok - Tuesday, Jan 29, 2008 at 07:12

Tuesday, Jan 29, 2008 at 07:12
Hi Howie,

There is a facility called eCheck...maybe worthwhile investigating...never used it myself...prefer PayPal

rgds....eng
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Reply By: Member - Kiwi Kia - Tuesday, Jan 29, 2008 at 07:14

Tuesday, Jan 29, 2008 at 07:14
If it is a reputable company i would have no problem. If you send a credit card number by email you may like to consider NOT just writting down a string of digits. For the number 123456 I would type 12 three four 5 six etc. This stops rouge programmes that search mail for likley bank card numbers.

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Reply By: johnnic - Tuesday, Jan 29, 2008 at 09:07

Tuesday, Jan 29, 2008 at 09:07
I've used my credit cards over the internet for overseas purchases on many, many occasions over recent years and haven't had the slightest of problems. Perhaps I've just been very lucky, perhaps it's not much of an issue.

John
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Reply By: Ozboc - Tuesday, Jan 29, 2008 at 10:02

Tuesday, Jan 29, 2008 at 10:02
Just be careful as you can be sluged an import tax on arrival in the country which is your responsibility( if you do go ahead with the purchase) , just get them to mark the item as a GIFT - and you may avoid it --

Boc

AnswerID: 284284

Reply By: Member - Mike DID - Tuesday, Jan 29, 2008 at 11:22

Tuesday, Jan 29, 2008 at 11:22
I've been using my credit card over the Internet for years with no problems.

The only attempts at fraud have been
1. A Taxi Driver in Melbourne where I used a paper docket
2. A motel in Coffs Harbour where I'd never been.
The bank cancelled the charge in both cases as the vendor didn't have my signature.

I prefer Paypal because then I only have to give my credit card details to one company.
AnswerID: 284296

Reply By: KSV. - Tuesday, Jan 29, 2008 at 11:46

Tuesday, Jan 29, 2008 at 11:46
Solution is simple.

Get another credit account for as least credit as possible. I have one with $500 and keep it for this exact reason – Internet shopping. So max what they can get me on is $500 bucks. Still money, but I recon I can survive. I think there also possible to get “Visa Debit Card” – it work like Visa, but you have to put here money first.

Cheers
Serg
AnswerID: 284301

Follow Up By: Member - John (Vic) - Tuesday, Jan 29, 2008 at 15:58

Tuesday, Jan 29, 2008 at 15:58
Unauthorised credit card transactions are not your problem.
They are the problem of the card issuer / bank.
Just dispute the transaction and they will sort the matter out.
Read the terms of your credit card.
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Follow Up By: KSV. - Tuesday, Jan 29, 2008 at 16:50

Tuesday, Jan 29, 2008 at 16:50
I do know this. Also what I do know that friend of mine had unauthorized transaction on his card. 10 grand. From UK where he been 1 year ago. He had hard proof that during period in question he been in Australia. Yes, they cancel all transaction and return money ….. 3 month later. I would rather risk $500 then $10,000.

Cheers
Serg
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Follow Up By: Sand Man (SA) - Tuesday, Jan 29, 2008 at 18:38

Tuesday, Jan 29, 2008 at 18:38
Good comments Serg!

I did exactly what you advise.

Took out an ANZ Debit Visa Card which operates exactly like a standard Visa card, but you put the money in before you but the article. So, should some unscrupulous "scammer" obtain your details, there would be no balance in the account when they attempt to draw on it.

As safe as any transaction can be over the Internet. Most vendors also have secured sites when you are buying goods. Just check the "padlock" symbol is locked.

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Follow Up By: Member - John (Vic) - Tuesday, Jan 29, 2008 at 19:48

Tuesday, Jan 29, 2008 at 19:48
No money to return. (Unless your stupid enough to not examine your statement and pay the amount owing without checking and disputing)

You dispute the transaction and the amount in dispute is then isolated on the account and no interest or fees are charged against this amount.

The merchant who debited the card with the disputed amount must produce the signed receipt with YOUR signature. (Telephone transactions are automatically reversed under merchant agreements)
Fraud is a constant issue for the banks and they have very good prevention systems in place.

Systems like the ANZ Falcon system (All banks maintain similar systems) is there to detect and prevent loss to the BANK as well as you the customer and believe me they do not lose very much at all the system works so well.

The program is very sophisticated and actually learns the spending habits of the card owner and if you operate outside of your normal spending habit it will flag on the system. Hence why its a very good idea to tell your card issuer that you are traveling OS so they can note it on your account and will be aware that sudden spend on your card in a foreign country is genuine as you are in that country.
It also has a huge data base of known fraud web sites world wide and if your card is used on these sites it will also flag.
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Reply By: hazo - Tuesday, Jan 29, 2008 at 13:35

Tuesday, Jan 29, 2008 at 13:35
Howie
I have purchased several items for my Harley from the USA, and have received excellent service. and usually half oz prices!
One item from California took 5 days to arrive in Perth WA! and the postage cost was $19 US. with constant UPS tracking via the net!
So long as the price does not exceed $1000 then import duties are not payable.
I have always used my M/Card and its basically a case of common sense, are the companys known? ring them first and only give card no. by secure transaction page or phone.
I would not use it on EBAy though! only paypal!

Brian
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Reply By: Kiwi & "Mahindra" - Tuesday, Jan 29, 2008 at 14:26

Tuesday, Jan 29, 2008 at 14:26
have only read one of the replys and that was bucky's....would have to agree with him and obviously derek and anyone else who said Paypal..........its safe as it comes and you can even link it up so that the money can be transfered into the 'paypal account" from your bank account....then cc not used at all......

dont give the details to the compaanies....I had a cc a few yrs ago get spent on all sorts of stuff oversees and i hadnt given the details to anyone...so now i dont hve one at all...but nath does....be rrrrreeeeeeeeaaaaaaalllllllllllllllllllllllllllyyyyyyyyyyyyyyy careful!!!!

Laura

what ever it is , it sounds like its worth it! i love the interent for these sort of things!!
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Follow Up By: Member - John (Vic) - Tuesday, Jan 29, 2008 at 15:59

Tuesday, Jan 29, 2008 at 15:59
Unauthorised credit card transactions are not your problem.
They are the problem of the card issuer / bank.
Just dispute the transaction and they will sort the matter out.
Read the terms of your credit card.
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Follow Up By: Kiwi & "Mahindra" - Wednesday, Jan 30, 2008 at 13:24

Wednesday, Jan 30, 2008 at 13:24
i agree but we do need to take responsibility for some of our actions.....my prob was sorted out anyway....
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Reply By: DIO - Tuesday, Jan 29, 2008 at 17:44

Tuesday, Jan 29, 2008 at 17:44
Don't send and e-mail containing your credit card details.

Check if the site you intend to purchase from has a padlock either at bottom or top on the payment/transaction screen - it indicates a secure site protected from 'spying' and should be safe to undertake a credit card transaction on.

As others stated, if someone should misuse your card, report it to your bank, they will take the matter up and if satisfied of misappropriation they will cover/re-cover any outstanding amounts.

Remember, freight particularly from USA can be VERY costly. You need to calculate that before committing to a purchase. Good luck with it.

p.s. Pay Pal is not all that some believe it to be. I got stung on an e-bay transaction and because the offending party didn't have any credit in their account, I missed out on any refund. They claim that if he sets up in business again on e-bay and opens a Pay Pal account they will (might) get some compensation for me. Be warned.
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Reply By: kev.h - Tuesday, Jan 29, 2008 at 17:48

Tuesday, Jan 29, 2008 at 17:48
Visa Debit card is the answer works the same as a credit card but you have to deposit the money first just put in the amount owing plus a few bucks for fees etc then pay the account
Kev
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