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Old 01-25-10, 10:17 PM   #1
no1mad
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Online purchasing

I've never bought anything online before. Done mail order back in the day, though.

Wanting to buy something that I see on Amazon. It's not theirs, but an affiliate. Is it better to buy through Amazon, or just go to the affiliate?
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Old 01-25-10, 10:21 PM   #2
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I've never bought anything online before. Done mail order back in the day, though.

Wanting to buy something that I see on Amazon. It's not theirs, but an affiliate. Is it better to buy through Amazon, or just go to the affiliate?
Either or. Doesn't matter
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Old 01-25-10, 10:24 PM   #3
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I would use a card with a low limit, or a prepaid card, though. No matter how hard the vendors try to keep their servers, there's always a chance of them being hacked and your card number getting out in the wild. Low limits or prepaid visa limits your potential loss.
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Old 01-25-10, 10:26 PM   #4
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Well, depends on how you look at it.

Most of the affiliates are Joe Shmoe's like you and me....so to go with an affiliate is giving your business to the little guy versus the big conglomerate (Amazon). At the same time, you have more safety and trust when using a big company like Amazon.

So there are your viewpoints.....personally, it comes down to money. If I can save significantly going with the affiliate, I go that route, otherwise, I'd probably go with Amazon.
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Old 01-25-10, 10:33 PM   #5
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I would use a card with a low limit, or a prepaid card, though. No matter how hard the vendors try to keep their servers, there's always a chance of them being hacked and your card number getting out in the wild. Low limits or prepaid visa limits your potential loss.
The card has a low limit. Linked to an account that can't go overdraft without my knowledge or permission.
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Old 01-26-10, 12:01 AM   #6
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your good then.
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Old 01-26-10, 12:01 AM   #7
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Cool, then you should be good. I'd avoid using a debit card, though. It's harder to recover your money if there is fraud. Not impossible, but it can take longer.

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The card has a low limit. Linked to an account that can't go overdraft without my knowledge or permission.
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Old 01-26-10, 12:10 AM   #8
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Buying from Amazon affiliates makes sense because Amazon will back up a purchase that goes sour. I bought a carousel style CD player a few years ago for my Mom. There were problems with it. I am convinced that this affiliate would not have been so cooperative had this been a direct purchase. As always, YMMV depending on what the item is, the affiliate's reputation, etc.
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Old 01-26-10, 07:59 AM   #9
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I've had good luck w/ affiliates. w/ amazon, usually if the order is $25+ the shipping will be free. On the other hand, fairly often can get the same thing from affiliates <$25 even with shipping so...
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Old 01-26-10, 08:13 AM   #10
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I'd avoid using a debit card, though. It's harder to recover your money if there is fraud. Not impossible, but it can take longer.
Generally true, but I was caught in the NASHBAR debacle last summer using a Chase Debit.
Chase fixed the problem in 7 days. Pretty good in my book. Might just be Chase, or the local branch, but I have no complaints.
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Old 02-02-10, 08:25 PM   #11
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when purchasing online, I like to recommend that persons purchase reputable online retailers...you can generally check online retailers at www.resellerratings.com.

I have found Amazon.com to be fairly reliable.
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Old 02-02-10, 09:22 PM   #12
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I have two checking accounts with credit/debit cards tied to them. One with all of the fixin's like Overdraft and cash reserves, and one with nothing at all. Most banks and credit unions will allow you to quickly transfer funds between your accounts, so leave the barebones account empty until you find something you want to buy online, then move the cash into this "bait" account and do the business. This way, if your info gets jacked, all they'll have is a card with no funds available.
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Old 02-03-10, 10:00 AM   #13
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Don't do it. Only safe way is with a credit card through facebook, and they're both evil. you will regret it.
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Old 02-03-10, 11:39 AM   #14
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Check if your credit card offers virtual account numbers that can be generate for a specific amount. You can create one instantly for the purchase amount so even if someone else obtains the number, the card can not be charged.
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Old 02-03-10, 03:47 PM   #15
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I've had good results with Amazon, eBay, Nashbar, REI, BlueSky Cycling and Performance.
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Old 02-03-10, 04:01 PM   #16
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Quote:
Originally Posted by no1mad View Post
I've never bought anything online before. Done mail order back in the day, though.

Wanting to buy something that I see on Amazon. It's not theirs, but an affiliate. Is it better to buy through Amazon, or just go to the affiliate?
I use BankOfAmerica Mastercard which has a "Shopsafe" option.
When I want to make a purchase, I go to the BoA website and bring up the Shopsafe window:
- Select a dollar limit slightly over the purchase amount.
- Select an expiration date.
Then it generates a unique temporary card number with those parameters, with which to make the purchase.

If someone gets the info on the temp card, I won't lose more that whatever is left on the card,
AND I can identity exactly which vendor leaked the card info.
If I buy from that merchant again, and the card has not expired, I can extend the limit and the expiration date.
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Old 02-03-10, 04:04 PM   #17
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For buying small purchases like tubes, who's got the cheapest shipping cost?
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Old 02-03-10, 05:43 PM   #18
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I've never bought anything online before. Done mail order back in the day, though.

Wanting to buy something that I see on Amazon. It's not theirs, but an affiliate. Is it better to buy through Amazon, or just go to the affiliate?
WHATEVER YOU DO... never accept an offer of a discount... for instance you purchase a book - a responsee comes back "would you like to receive a 10% discount?" Just say no. Nothing is ever free. If the price is reduced it should be reduced upfront. Those discount offers are one of the worse scams going online. The other thing never to do - is go in and sign up for a "free" gift or gift card. Just say no...
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Old 02-03-10, 05:45 PM   #19
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Quote:
Originally Posted by Tom Stormcrowe View Post
I would use a card with a low limit, or a prepaid card, though. No matter how hard the vendors try to keep their servers, there's always a chance of them being hacked and your card number getting out in the wild. Low limits or prepaid visa limits your potential loss.
I actually have a card just for online purchasing. I tranfer the money over just before I make a purchase. The limit is always just enough to cover my purchases. Never mor than $1000. It is also not tied to any of my other accounts. Many banks offer such services.
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Old 02-03-10, 06:01 PM   #20
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Been buying online since '03, no problems; I deal with a select few, and have been 99-9/10% happy (just a glitch or two with a dealer I've been satisfied with in the past, but no cost to me).
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Old 02-03-10, 06:27 PM   #21
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Don't do it. Only safe way is with a credit card through facebook, and they're both evil. you will regret it.
Not a problem. Don't have a credit card (anymore), and I don't even do facebook.
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Old 02-03-10, 06:33 PM   #22
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Quote:
Originally Posted by Shimagnolo View Post
I use BankOfAmerica Mastercard which has a "Shopsafe" option.
When I want to make a purchase, I go to the BoA website and bring up the Shopsafe window:
- Select a dollar limit slightly over the purchase amount.
- Select an expiration date.
Then it generates a unique temporary card number with those parameters, with which to make the purchase.

If someone gets the info on the temp card, I won't lose more that whatever is left on the card,
AND I can identity exactly which vendor leaked the card info.
If I buy from that merchant again, and the card has not expired, I can extend the limit and the expiration date
.
*sharp intake of breath*

That financial institution is verbotten in this house. My wife had a very bad experience with them, and she still hisses everytime she hears their name.
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Old 02-03-10, 06:47 PM   #23
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*sharp intake of breath*

That financial institution is verbotten in this house. My wife had a very bad experience with them, and she still hisses everytime she hears their name.
She wouldn't be the only one - that's a big club she's part of.

One of the first real jobs I had was with them, back in 1978. I lasted a year there before quitting in disgust, and have hated them ever since.

One of their more evil practices - they would actively seek and hire single mothers, pay them dirt wages but give them killer rates on home loans. The caveat being that if they left the bank, the rates went up to "market". Market rates for mortgages during the Carter years went into the high double digits and lingered in the low double digits for much of the Reagan years as well, so most of the women that took advantage of the cheap loans were captive for a long, long time.

Some of those poor women worked there many years for slave wages and took a lot of crap, because they were locked into a cheap mortgage rate.
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Old 02-05-10, 04:55 AM   #24
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Hi,

To my opinion Amazon is safe.And I do suggest that you not make purchases from a public computer (i.e. school library, internet cafe, etc.) This places are more likely to harvest hackers...

Thank you,
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