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purchasing online using credit cards.

any pros or cons po pag bumili kayo online using credit card like sa Lazada, OLX or gaming websites such as Steam, Direct2Drive, Gamersgate. May chance kaya na madouble charge ako kung bibili ako online using my credit card? thanks po sana sa reply

Comments

  • KuyaDannyKuyaDanny Moderator PEx Moderator
    Kahit saan mo naman gamitin ang credit card may chance ka ma double charge. Kahit hindi pa online. Ang tanong diyan kung gaanong kadali ipa-reverse yung double charge. Depende sa merchant at sa card issuer.

    Yung mga merchant na malaki, matatag, at may magandang pangalang gustong pangalagaan ang madaling kausap sa pagpapa-reverse.
  • mrpogi91mrpogi91 Member ✭✭
    KuyaDanny wrote: »
    Kahit saan mo naman gamitin ang credit card may chance ka ma double charge. Kahit hindi pa online. Ang tanong diyan kung gaanong kadali ipa-reverse yung double charge. Depende sa merchant at sa card issuer.

    Yung mga merchant na malaki, matatag, at may magandang pangalang gustong pangalagaan ang madaling kausap sa pagpapa-reverse.

    If given a chance plano kong gamitin yung HSBC card ko to purchase a game online at a steam-like website since gamer ako... saka concern ko rin na baka madouble charge ako **** di ko nkuha yung binili ko online.
  • MarionRiveroMarionRivero Your Beloved ✭✭✭
    I've purchased online for years now, local and international. Never ko pa na-experience ma-double charge at nakuha ko naman lahat ng items.
  • tomangelotomangelo Member
    Wag kang masyado mag alala sa double charge. It usually does not happen in most cases. However, if it does, make sure to file a complaint immediately and state your reasons properly.
  • AgapitoAgapito Member ✭✭✭
    Pwede kang ma-double charge, kung laspag na yung mouse button mo, dahil pipitsugin lang ito. Minsan yung one click, eh nagiging double-click.

    Pwede ding ma-dobule charge kung pagka-click mo ng Buy button, mukhang nag-hang yung connection mo dahil sobrang bagal ng internet mo. Akala mo nag-hang talaga, kaya ki-click mo ulit yung Refresh button or yung Buy button ulit.
  • mrpogi91mrpogi91 Member ✭✭
    I just found out via a similar post that I posted sa kabilang group(sa Electronic gaming since may kinalaman din sa video games itong thread na ito in addition sa credit card) na may alternative na pwedeng gamitin. Yung Paymaya na under ng Visa..
  • shadow_dancershadow_dancer Member PExer
    I always use my card to purchase plane tickets online. Could range from as low as Php 1200/ pax to Php 85k per pax.

    So far, in the 17 years I had a credit card, wala pa akong double charge. That is why it is important you check your SOA before you pay and wag naka auto debit (i.e. connected ang debit card/ savings account mo sa credit card).
  • peridotsardonyxperidotsardonyx Member PExer
    Nasubukan ko na sa Lazada, ok naman kasi secured yung site. For Amex/BDO cards, manghihingi ng secondary verification through your mobile phone before you proceed with the transaction. Maganda rin kung may malakas at updated kang anti-virus application sa PC mo para protected din yung browser sa malwares na nangongopya ng personal information/credit card information mo.
  • MoonStruckMoonStruck Sintunadong Rakista ✭✭✭
    If you have BPI, ask for an e-credit card and set a limit to the amount allowed. The e-Credit card is used for online purchases and the allotted budget for it prevents others from using up the actual BPI credit card's CL in case it's compromised (i.e. ginamit pala ng kilala mo naman :glee:).
  • MarionRiveroMarionRivero Your Beloved ✭✭✭
    Agapito wrote: »
    Pwede kang ma-double charge, kung laspag na yung mouse button mo, dahil pipitsugin lang ito. Minsan yung one click, eh nagiging double-click.

    Pwede ding ma-dobule charge kung pagka-click mo ng Buy button, mukhang nag-hang yung connection mo dahil sobrang bagal ng internet mo. Akala mo nag-hang talaga, kaya ki-click mo ulit yung Refresh button or yung Buy button ulit.

    Ay oo, nangyari pala yan sa akin sa Shop.ph ba yun. Glitch at my end. Fortunately, naayos naman agad dahil nag-email ako sa kanila at tinawagan nila ako.

    MoonStruck wrote: »
    If you have BPI, ask for an e-credit card and set a limit to the amount allowed. The e-Credit card is used for online purchases and the allotted budget for it prevents others from using up the actual BPI credit card's CL in case it's compromised (i.e. ginamit pala ng kilala mo naman :glee:).

    Parang [email protected] card ng RCBC Bankard. P10k ang cl at naka-link sa primary cc. Iba ang card # at cvc # nito as extra protection. Kung available naman ang PayPal option, yan ang ginagamit ko. Naka-link ang ccs ko sa pp for online payment purposes.
  • MoonStruckMoonStruck Sintunadong Rakista ✭✭✭
    Parang [email protected] card ng RCBC Bankard. P10k ang cl at naka-link sa primary cc. Iba ang card # at cvc # nito as extra protection. Kung available naman ang PayPal option, yan ang ginagamit ko. Naka-link ang ccs ko sa pp for online payment purposes.

    Yup. Same concept. You can also link it to PayPal as fund source instead na yung actual credit card.

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