On Nov 17, 2013, at 3:47 PM, John Robinson wrote: > In a discussion with a couple guys in the family, we were discussing which is > the safest way to pay for a product on line. > > I felt Paypal was the way to go, I dislike my card info being placed with > bunches of firms, now I am exposed to any one of them being hacked, I wanted > to rely on the security of PayPal (if there is such). > > They both contended that the credit card was the best way to go, the > protection of only $50.00 which is normally not charged, the ability of your > money in your checking account not being messed with as my Paypal account > comes directly from my checking account. It may take weeks for the money be > be credited back to the account. > > Their argument made a lot of sense. > > What is the better way, having your info. at every store you shop or not > having the protection the credit card offers by using Paypal. > > I appreciate your thoughts.
I've been wrestling with this one for years, and I finally reached a middle ground. For online merchants with whom I regularly do business, and who have gained my trust through repeated sales, I generally use a credit card and let them keep the number on file to make purchasing easier. Examples of these, off the top of my head, include Amazon, The Science Fiction Book Club, TigerDirect, LL Bean, … If I’m making a one-off purchase from a place like Wang's Software and Hack Shop, I'll generally use PayPal to avoid getting my credit card stuff into their database.
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