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credit card

C

Cristatus

Diamond Member
which credit card is the best to go for if you are going to be shopping online alot?

this is my first credit card, so i have no knowledge about these things at all, i'd appreciate some help in deciding

from what i know, you can use Visa and Mastercard on websites, but i'm not sure if there are other more popular ones available
 
amex, visa, mc, should all be good. Just choose one to suit your needs (1% cashback, miles, online statements, etc....)
 
From what I know, the differences between Visa and MC are so minute that it really doesn't make a difference. Both will cover fraud if your CC# is taken or something similar.
 
Originally posted by: FrustratedUser
Originally posted by: Gibson486
Originally posted by: FrustratedUser
MBNA Mastercard with virtual account numbers = :thumbsup:
Click to expand...

Too bad MBNA = teh suck.
Click to expand...

No, how, in what way?
Never had a problem yet.
Click to expand...
Their card being accepted is fine. It's when you go to pay your bill that presents a problem - moreso than other card's online management systems. For one, they change the due date on you every month... sometimes up to 5 days. Then when you try to pay online, the day you can schedule it is on the ACTUAL due date but in fine print of course it says it takes up to 3 business days to process from the date you schedule it for. Everyone should know about the 3 days, but still, they shouldn't default you to that specific date - others leave it blank for you to choose. Underhanded.

Things like that are just annoying. I have zero such problems with Discover, Amex, Verizon, or my utility bills.
 
I've always preferred American Express for online payments.

My dad has told me some online companies won't accept it because they charge a higher rate so they make less profit. Whatever the case is, their customer service has been excellent and if you ever have an online problem, it's likely they will handle it the best.
 
Originally posted by: rh71
Originally posted by: FrustratedUser
Originally posted by: Gibson486
Originally posted by: FrustratedUser
MBNA Mastercard with virtual account numbers = :thumbsup:
Click to expand...

Too bad MBNA = teh suck.
Click to expand...

No, how, in what way?
Never had a problem yet.
Click to expand...
Their card being accepted is fine. It's when you go to pay your bill that presents a problem - moreso than other card's online management systems. For one, they change the due date on you every month... sometimes up to 5 days. Then when you try to pay online, the day you can schedule it is on the ACTUAL due date but in fine print of course it says it takes up to 3 business days to process from the date you schedule it for. Everyone should know about the 3 days, but still, they shouldn't default you to that specific date - others leave it blank for you to choose. Underhanded.

Things like that are just annoying. I have zero such problems with Discover, Amex, Verizon, or my utility bills.
Click to expand...

Never had a problem but I see where you're coming from.
 
Originally posted by: Vredesbyrd
I got one through my bank.

It has a limit of $200.00, so I can only lose a small amount if it ever happened to get scammed.
Click to expand...

You realize you are only liable for $50 maximum under Federal Law for unauthorized charges, right?
 
Originally posted by: MadCowDisease
Originally posted by: Vredesbyrd
I got one through my bank.

It has a limit of $200.00, so I can only lose a small amount if it ever happened to get scammed.
Click to expand...

You realize you are only liable for $50 maximum under Federal Law for unauthorized charges, right?
Click to expand...

thought that was only thru credit cards... banks on the other hand, is whatever you have in your account usually.
 
Originally posted by: Anonemous
Originally posted by: MadCowDisease
Originally posted by: Vredesbyrd
I got one through my bank.

It has a limit of $200.00, so I can only lose a small amount if it ever happened to get scammed.
Click to expand...

You realize you are only liable for $50 maximum under Federal Law for unauthorized charges, right?
Click to expand...

thought that was only thru credit cards... banks on the other hand, is whatever you have in your account usually.
Click to expand...

The title of the thread is "credit card."

Yes, that law only applies for credit cards. But banks give out credit cards, too.
 
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