Topic: Hey how do I order with out credit cards

[Rocking-M]

I'm old fashion, why else would I ride an old 4.

I want to order the sohc stickers from cafe press. How do
I do so by money order?

[Gordon]

Don't you have a check card from your bank, or are you even more old-fashioned than that?  Wait a sec, you have a computer and internet service, so you must have a checking account.  I don't have credit cards anymore, either.  Gave them up several years ago when I realized how much trouble I could get into with them, luckily before I got into too much
trouble.    I just use the check card instead.  Works the same as ordering with a credit card.

[cbjunkie]

 

boo credit cards...

YAY BEER!

signed,
credit cardless since 1969

[merc2dogs]

 
 you can get prepaid credit cards many places, lots of gas stations carry them, you pay a small fee for them but the advantage is that it is ONLY valid for the amount you put into it, so if it's lost/stolen you have no worries.   you can keep putting money in or use it once and trash it.
 
 I have a computer and internet service, electric bill and phone service, don't even have a bank account. divorce and FOC cleaned out my last one so I figured that was enough of that.

  Not familar with cafe press, most places do have an ordering page somewhere that should have all that information.


Ken.

[cb650]

  Wait a sec, you have a computer and internet service, so you must have a checking account. .

I have a computer and internet service but no checking account.    Paid for a year with M/O.
As for C/C if there is something I got to have I getthe G/F or my boss to get it.



                   Terry

[nickjtc]

Some places take PayPal. It's a bit of a performance to set up but seems to work just fine.

[huntman58]

 Use pay pal, pay some one to order it for you.
  I finally got a checking account after my ex cleaned me out so now I only use that card for every thing. there’s never enof in it to worry about some one using it because if they do there the ones in for a big surprise

[Rocking-M]

I hoping I can just use a money order.

[jbailey]

You have to be careful with a debit card.  With credit cards you are protected against fraud automatically.  You are only liable for $50 if you do get ripped off.  With a debit card it is not the same.  They can empty your account and you have to cover it and hope you can get reimbursed by someone.  This happened to me two weeks before Christmas a few years back.  I got my money back after about two months, but had to cover thousands of dollars for that time.  I NEVER use a debit card for online transactions since then.  Just get yourself a real credit card and lock it up if you can't control yourself.  If the card is left at home you won't make impulsive buys.  Of course, with online buying I guess thats not so true anymore.  Oh well, just control yourself.

[cbjunkie]

with online banking it is possible to keep two accounts - one that is tied to the debit card and one to use as a "depository" for the majority of your funds.

you can easily transfer "money" over to the debit card account if you must make a sizable purchase.

at least your risk is minimized in that case.

[jbailey]

That's not a bad idea.  You can still get screwed if they debit your account for more than the balance.  Then you also have an overdraft to pay for since it's not the banks fault.

The safest tranaction is by far with a credit card.  This applies to any trasaction online or not.

[cbjunkie]

you're most likely correct - i however cannot handle the responsibility...   what's my response? grow up? no...just don't get a credit card.

i prefer to live within my means anyway, humble though they may be - it cuts down on mental slavery.

carrying a 20 overdaft charge until things are straightened out with the bank is a #$%*load better than having thousands of dollars drained out...

geez, you know what? i don't even really do that - but i think i'm going to go and get a 2nd account just for that purpose.

this is a great discussion...thanks

[Rocking-M]

Postal Money orders are the way I go with all ebay purchases. Recently had a fellow try to deny he received payment.
For 3 bucks the PO will do a search and find out where that MO went, and re-emburse if necessary. I paid the 3 bucks
and about 30 days later the fellow sent my item. Said he had just discovered where he put the MO

[huntman58]

with on-line banking it is possible to keep two accounts - one that is tied to the debit card and one to use as a "depository" for the majority of your funds.

you can easily transfer "money" over to the debit card account if you must make a sizable purchase.

at least your risk is minimized in that case.

that just what i do . I only put in what i need to cover things I have bought other wise it is at a zero balance and if you try to use it you get turned down . thats my safety net for a debit card . O ya I also had them drop the over draft protection for the same resons I do not need it and do not want any one other using it 

[ElCheapo]

Well I like the credit card thingy. But I use the Paypal credit card which requires me to have money in it to use it. Keeps me out of trouble. I did get a Capital One recently on the advise of my CPA as he felt it would raise my score and it has. It has a small limit so I can't get into too much trouble.  The Paypal card is easy to set up.