Because you need a credit card to buy things online

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    You will need to create a profile. You typically need to pick a username and password and add your email address. You will have to create answers for challenge questions that are used for your security.

    You then provide them with your address and additional personal information. Then you put in the information of the checking account you want linked to the account. Many online retailers accept these forms of payment, but not all do. Make sure you check whatever store you are buying from. Purchase with a check. You can still buy from certain online store with checks, but it might be very difficult to use this option. Stores on websites such as EBay and Etsy will likely be more willing to accept this option than a larger retailer.

    For these methods, you send the check and wait for it to clear the bank. Then, your items will be shipped. The problem with this method is that it takes a lot more time than other methods.

    The store has to wait for the payment to arrive. This means you have to wait for the items you bought as well. You can also use a money order. These work just like a check. You send them, the store cashes them, and then your items are shipped. You can buy these at many stores and your local post office. Use your checking account for an electronic fund transfer. Large online retailers such as Amazon accept electronic fund transfers EFTs. This method works by transferring money from your personal checking account to the store.

    To set this up, you usually have to add your checking account to your profile. This means you need your account number and bank routing number. You then have to enter the name and the address of the person who is named on the account. You may also be asked to give the drivers license number of the account holder and the state that issued the ID. Most sites will not accept business, corporate, or savings accounts.

    Make sure it is a reputable website or store before you give away your information. Pay with an electronic wallet. Many companies and businesses have created electronic wallets. Google Wallet is the most popular, but companies such as Starbucks and Apple have also launched them.

    The electronic wallet is different than the traditional online payment service. They are on your device as an app instead of working through an online site. Digital wallets allow you to add money to them in a variety of ways. You can add with a debit card or checking account. To use, all you have to do is create an account and add money.

    Then just select the payment type, swipe the screen of your phone, and you have bought the items. You can also use other units of value like loyalty points or mileage anywhere that will accept them.

    With a digital wallet, you don't have to go through a hectic redeeming process. The app does it all for you. This is an important new development because mobile apps are one of the largest areas of growth in tech, media and other industries. This now includes payment systems. Method 2 of Use collect on delivery. Collect on delivery COD , also known as cash on delivery, allows you to buy something and then pay for it when it arrives. The primary benefit of this option is that no money is spent until you get the items.

    You can check the product delivered and refuse delivery if necessary. This leaves the responsibility of the item to the seller instead of you.

    One other benefit is that, depending on the company, you can buy things for much higher than most credit card limits. Cash used to be accepted, but it is rarely accepted now. This used to be very common but is not as popular anymore. It is still possible with individual sellers and small retailers. Fedex also does COD in India. COD can have more costs than normal shipping.

    The extra costs have to be paid by you when the items arrive. This option is great for high-dollar purchases that exceed your credit card limit. Redeem points or rewards. Some online retailers, such as Amazon, Macy's, and EBay, will allow you to use points for purchases. You can enable this option from these sites from their pay with points pages. You can use points from cards such as the Amazon.

    The drawback to this method is that the value of points is often very hard to figure out. They will vary from company to company and even from product to product. There is usually a dollar value associated with getting points, such as one point per dollar spent. The value when you spend the points is typically not the same. Each program is different and you should consult the terms and conditions of your program to determine the value of points or rewards. Points can be collected and redeemed in many different ways.

    You can also get rewards from e-commerce sites such as Amazon or the Ebay Bucks program. Purchase items with gift cards. Gift cards can be used at many online store such as Amazon, Barnes and Noble, and Hallmark. You can use a gift card to buy any item from the online store, just like you would cash in a real store. You can also add the card balance to your account to be used the next time you buy something.

    The processes of using gift cards is similar across sites. If you want to use it on a particular purchase, you can enter it on your payment page when you are checking out. There is typically an option to redeem a gift card on your payment screen. You then locate the claim code on the card and enter it into the site. To add the money to your account, go to your account page on the site. Choose to add a gift card to your account from this page. Enter the claim code and then hit submit or apply.

    For plastic gift cards, you may need to scratch off the coating on the back of the card to see the code. The claim code is different than digit card number.

    Purchase gift debit cards. Gift debit cards ie. You will likely be able to purchase them at a store that sells gift cards. They work like gift cards, however they are accepted anywhere debit cards are accepted, and some can be re-loaded.

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    It makes no difference. Many of these locations also sell retailer-specific gift cards, but of course, you can also purchase these directly from the retailer.

    You can link a PayPal account to your checking account, and any purchases you make through PayPal will be deducted from that checking account. If you have a PayPal balance from gifts, sales, or other money transfers, purchases will typically deduct from that balance first and then from your checking account. The card is linked to your PayPal account. Amazon Cash allows you to shop on Amazon. You just add cash to your Amazon Balance at participating locations. Check the payment options for the retailer to confirm you can use your checking information.

    Linking your checking account to Paypal or requesting a debit card from your bank will give you more flexibility to make online purchases. When you use this option, be sure to enter the correct billing address so the payment will process correctly.

    However, note that some retailers may not allow shipping to different billing and shipping addresses because of the increased risk of fraud. Some credit card issuers may flag the transaction as fraud.

    Indicating the purchase as a gift can dodge this problem. Consumer Financial Protection Bureau. Federal Trade Commission. The Balance Credit Cards.

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    Because you need a credit card to buy things online

    Credit cards may not be a perfect fit for every purchase, but there are some times that using a credit card makes a lot of sense, protecting you against fraud and bad business practices, while allowing you to collect rewards on every swipe. If it's expensive, it should probably go on a credit card. Credit cards offer one big advantage over cash payments and debit cards: When you put a purchase on a credit card, you're often protected against damage, theft, or loss of the item for as long as 90 to days after the purchase.

    This card benefit, known as purchase protection, acts as a short-term form of insurance for products you buy with your card. If you buy a new tablet computer only to break it a few weeks later, a credit card with purchase protection will pick up the tab to fix the damage. Most credit cards have this feature, but Chase has one of the best purchase protection policies, offering up to days of purchase protection when you use your card to make a purchase.

    It's a card benefit that few people know about that can save you hundreds of dollars when you really need it. Making purchases online often means dealing with sellers and merchants we don't know as well as the neighborhood mom-and-pop shop. Making online purchases with a credit card gives you better protection against merchants who fail to deliver on their promises, since they offer better chargeback protection. But that's not all.

    Many credit cards also offer "return protection," a benefit that allows you to make a claim if a merchant won't allow you to return your purchase for a refund of the purchase price. Return protection effectively extends the amount of time you have to return an item you purchase. See your benefits guide for your credit card, as this is a common feature on many credit cards on the market today. Many cards offer high rewards when you use your card to make a purchase at gas stations , but there is another reason to use credit cards to pay for gas: Gas stations are one of the places where card numbers are most frequently stolen.

    Gas stations have become a hotbed for card theft because they were allowed a three-year extension to install chip readers on pumps, making them one of the last remaining places for sophisticated thieves to collect card numbers and empty the accounts of unsuspecting customers.

    Going out to eat? And while I don't want to become a broken record for fraud risk, note that restaurants are one of the few places where your card leaves your line of sight when you pay. Every time you buy a meal at a sit-down restaurant with a card, you allow someone you don't know to leave the room with your credit or debit card. It's something few people think about, but like gas stations, restaurants are one of the places where card numbers are most frequently stolen.

    When it comes to travel purchases, credit cards are a no-brainer payment method for a number of reasons. First, most hotel chains and rental-car companies prefer payment by credit card, with some companies outright denying the ability, or making it more difficult, to pay by cash or debit. And when it comes to rental cars, you should be eager to pay by credit card, since most cards have some form of free insurance against damage to the vehicle.

    Second, the rewards you can earn on travel purchases are generally higher than any other spending category. The best travel cards offer bonus points on all travel spending, which can act as an effective rebate on each purchase you make. Finally, credit cards offer protection if your trip is canceled or delayed, or your baggage doesn't make it to your destination in a reasonable amount of time.

    Free trip protection and baggage delay insurance is a common perk on travel-focused credit cards, which can make life much easier if your trip is canceled or delayed, or if your baggage is lost along the way. Read The Ascent's full review for free and apply in just 2 minutes.

    The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.

    The Ascent is a Motley Fool service that rates and reviews essential products for your everyday money matters. By submitting your email address, you consent to us sending you money tips along with products and services that we think might interest you.

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    Compensation may impact the order in which offers appear on page, but our editorial opinions and ratings are not influenced by compensation. Commonly people cannot fulfill the minimum credit score. It is either because they had bad credit history or because they never have credit score e.

    There is a product called secured credit card where the applicant needs to pay for security deposit before getting a credit card. It is important to note that secured credit card can get more expensive than regular credit card in the long run.

    The fees that are related to its usage tend to be higher. The limit is according to deposit that had been paid in the beginning. Secured credit card is recommended to be used only temporarily to build credit score before moving onto conventional card. Another way to get real credit card numbers to buy stuff if someone cannot fit the criteria explained above is co-signing with someone else.

    Co-signer who is chosen should meet every criterion above: good credit score, adult, steady income, and few to no debt. A co-signer almost acts like human collateral. When credit card holder bails out from paying balance, co-signer is being held responsible for that. Credit card co-signing is common in the case of underage child with their parent.

    Many companies are issuing credit card products to the market. There are some brands which are considered better than others. It can be because their acceptability rates, monetary benefits, and additional attractive features. Here are the most used credit card brands in the world and some of their renowned products. Discover is a really well-known credit card brand, particularly for students. The application process is very simple if compared to others.

    It is possible to apply through the internet to get one of its cards. If card holder has good credit score, there are various promotions and benefits offered to them. The security protection provided by this company is also sufficient.

    User can also get real credit card numbers to buy stuff from American Express. Currently, this company has more than 58 million customers. The credit card is capable of conducting fast and really safe transactions. Amex mainly caters to customer of varied background. Mostly though, people who are approved for this card brand tend to earn high wage and credit score.

    This card is accepted in countries around the world. Chase is also a well-established company in financial service sector. Even then, it never ceases operating. The number of its credit card holder worldwide is more than 93 million. Data safety is well-taken care off.

    In addition to that, Chase also offers rewards for its users. It works together with a mega company such as Disney to provide nice rewards. They are well-known and well-used by people. MasterCard without doubt will provide you real credit card numbers to buy stuff.

    Current credit card holder number is more than million worldwide. It provides services such as easy bill pay for customer. The biggest feature to be found in this card is that it works in more than hundred currencies. It also operates in different countries.

    Other than MasterCard, Visa is also a really well-known credit card brand in the market in current age. It has fantastic number of card holders, which are more than million. Online and offline merchants accept payment made by Visa card. It also offers various kinds of benefits. There are cashback programs that enable people to receive cash once they have conducted certain activity. Some rewards are also offered. Having working credit card is helping a lot with various financial activities.

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    How to pay with a credit card online Check the website is secure. Shopping online increases the odds that someone will steal your credit card number. Did you know you can read premium answers for this article? Points can be collected and redeemed in many different ways. Mortgages Top Picks.

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    Because you need a credit card to buy things online

    Things submitting credit email, you accepting our Terms and Need and Privacy Policy. Currently, this because has more than 58 million customers. Our goal online to create the buy possible product, and your thoughts, card and suggestions play a major role in helping us identify opportunities to improve. The double-edged sword of credit card companies being held liable for fraudulent charges instead of the consumer is that they are hyper-vigilant over anything that looks suspicious. This is why we work so closely with US Unlocked, our services make a natural pairing. We may receive compensation from our partners for placement of their products or services.

    How to safely use a credit card to pay for online purchases

    Need an account. Buy working credit card is helping you lot online various financial activities. If because requirement is card hard to fulfill, there are alternatives things can be considered. Travel airfare, hotels, rental cars When it comes to travel purchases, credit cards are a no-brainer payment method for a number of reasons. They will be very small. I am interested in the answer to this please. Credit will be prompted to choose how you want to pay.

    5 Things You SHOULD Pay for with a Credit Card ft. The Credit Shifu

    This is an important new development because mobile apps are one of the largest areas of growth in tech, media and other industries. This now includes payment systems. Method 2 of Use collect on delivery. Collect on delivery COD , also known as cash on delivery, allows you to buy something and then pay for it when it arrives.

    The primary benefit of this option is that no money is spent until you get the items. You can check the product delivered and refuse delivery if necessary. This leaves the responsibility of the item to the seller instead of you. One other benefit is that, depending on the company, you can buy things for much higher than most credit card limits.

    Cash used to be accepted, but it is rarely accepted now. This used to be very common but is not as popular anymore. It is still possible with individual sellers and small retailers. Fedex also does COD in India. COD can have more costs than normal shipping. The extra costs have to be paid by you when the items arrive. This option is great for high-dollar purchases that exceed your credit card limit.

    Redeem points or rewards. Some online retailers, such as Amazon, Macy's, and EBay, will allow you to use points for purchases. You can enable this option from these sites from their pay with points pages. You can use points from cards such as the Amazon. The drawback to this method is that the value of points is often very hard to figure out. They will vary from company to company and even from product to product.

    There is usually a dollar value associated with getting points, such as one point per dollar spent. The value when you spend the points is typically not the same. Each program is different and you should consult the terms and conditions of your program to determine the value of points or rewards.

    Points can be collected and redeemed in many different ways. You can also get rewards from e-commerce sites such as Amazon or the Ebay Bucks program. Purchase items with gift cards. Gift cards can be used at many online store such as Amazon, Barnes and Noble, and Hallmark. You can use a gift card to buy any item from the online store, just like you would cash in a real store. You can also add the card balance to your account to be used the next time you buy something. The processes of using gift cards is similar across sites.

    If you want to use it on a particular purchase, you can enter it on your payment page when you are checking out. There is typically an option to redeem a gift card on your payment screen. You then locate the claim code on the card and enter it into the site.

    To add the money to your account, go to your account page on the site. Choose to add a gift card to your account from this page. Enter the claim code and then hit submit or apply. For plastic gift cards, you may need to scratch off the coating on the back of the card to see the code. The claim code is different than digit card number. Purchase gift debit cards. Gift debit cards ie.

    You will likely be able to purchase them at a store that sells gift cards. They work like gift cards, however they are accepted anywhere debit cards are accepted, and some can be re-loaded. Did you know you can read premium answers for this article? Unlock premium answers by supporting wikiHow. Lewis Business Advisor. Support wikiHow by unlocking this expert answer. Not Helpful 7 Helpful 9. Not Helpful 20 Helpful Not Helpful 3 Helpful 7. Not Helpful 4 Helpful 4. Not Helpful 2 Helpful 4.

    Not Helpful 2 Helpful 3. It makes no difference. Might as well just type your real name. Same for your address if it asks. Not Helpful 2 Helpful If it allows you to do so, and if the mobile phone's operator lets you. For instance, you can use Maxis for some payments. Normally, they send it to your house. You provide your address during checkout. Not Helpful 5 Helpful Gift cards can only be spent in the store they're made for. Unless it's a prepaid Visa, Paypal, or other debit card.

    Not Helpful 2 Helpful 8. Include your email address to get a message when this question is answered. By using this service, some information may be shared with YouTube. If you are curious about an online retailer or payment company, do some research on the company using words such as abuse, accusation, allegation, bankrupt, conviction, corruption, counterfeit, defraud, extortion, fraud, illicit, investigation, liquidation, scam, scandal, or violation.

    One way is to read community reviews on websites with community reviews of online services. Related wikiHows How to. How to. More References 4. About This Article. Co-authored by:. Co-authors: Updated: November 5, Categories: Shopping Online. Thanks to all authors for creating a page that has been read , times. Reader Success Stories Anonymous Dec 10, More reader stories Hide reader stories. Did this article help you? Cookies make wikiHow better. By continuing to use our site, you agree to our cookie policy.

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    By signing up you are agreeing to receive emails according to our privacy policy. Follow Us. Get all the best how-tos! But it's a debit card, with the money coming out of your bank account immediately with each charge. If a thief gets your number, he or she could empty your account before you know what happened.

    Not so with a real credit card, where you pay nothing until you see the monthly bill and can challenge suspicious charges. Instead, ask your bank to set you up with a secondary account for online purchases, and keep only a small amount in that account. The account would need its own ATM card, with its own credit card number. Just make sure this account lacks overdraft protection; you don't want money moving automatically from your real account into this one.

    Another option: Sign up for Paypal , connecting it to your bank account. Not all retail sites support Paypal, but the payment service can give you a debit card that you can use in place of a credit card.

    Finally, you can use gift cards, which you can buy at old-fashioned brick-and-mortar stores. You can even buy these with cash.

    In addition to technology, freelance journalist and sometimes humorist Lincoln Spector is a passionate cinephile who writes the Bayflicks. Fortunately, there are options.

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