Tweet
Never use a debit card on the internet. Your account can be hacked into. Only use a credit card.
-
-
The cynic in me says that news of shortages on GA are part of a larger pattern of Mattel's repeated manipulation of the collector market to generate interest. Don't know that I necessarily believe that, but it's kind of fishy that time and time again, Mattel comes up short, creating a buying panic among collectors who have to have something right now, which results in immediate sellouts and generates crazy aftermarket sales that further drive interest in future products down the pipeline. Look at DCUC and their limited He-man offerings...
Of course, there is a very thin line between a shortage and a massive overstock when fickle collectors are involved, so I tend to think it's just an inability to read the market that results in this stuff.Comment
-
Either way has inherent risk.
In fairness their is no increased percentage of having an account hacked when using a credit card over a debit. Unless for some reason the purchaser is giving out a PIN number online.
The increased risk comes from the lack of financial protection built into the account types. Debit cards are protected for smaller upper dollar limits than their credit card counterparts in cases of fraud--usually. However, some banks protect their debit card holders for far more than the average person keeps in their bank account.
To minimize the risk of having an account identity stolen follow these protective steps: Always use a debit card as credit (avoid using a PIN), only keep the minimum amount of money necessary to cover predicted expenses in an account that is used for online purchasing, do not allow your internet browser to save cookies and login histories, do not allow the retailer to keep credit card information on file, and be sure the site being purchased from uses secure encryption.
Overall if the account being used has only the necessary funds to handle daily expenses in it, online debit card purchases present fewer risk than standard credit cards that have their entire remaining balance available at all times.
Just my opinion of course.
"Procrastination is the art of planning for tomorrow."Comment
-
Other than Toy Fares ad hinting at the new WGSH's being carded, are there any pics of them in packaging ?My Mego Shazam is an honor roll student at Warren Central High SchoolComment
-
Not yet or at least none that we can see!
Comment
-
That's right - I have a 24 x 36 inch poster of Green Arrow carded nailed to
the ceiling over my bed - so it's the last thing I see before falling asleep
and the first thing I see when I wake.Comment
-
A debit card purchase online does not use a PIN number. It's treated as credit card purchase.
The percentage of fraud isn't the issue I was cautioning about. If you use a debit card, it's a direct line to your checking account. If your use of the debit card is used to gain "hacking" info by baddies, then your checking account will be what's wiped out. You'll get it back of course, but until then, you have no money, and it won't be right away you get it back. Credit cards on the other hand only have their limit max hit, and the card company will call you if too much activity, or big purchase happens. Plus, it's fraud protected, so you don't get the hit. Also, most importantly.. your checking funds stay intact. -- In summary, don't use a debit card for online purchases if you want to play it safe/smart.
g.Comment
-
I can respect that stand point geoffdude. Although, please bear with me if I add a wrinkle to the thought.
Online purchasing does not have to be risky. I know this because I spent 15 years doing IT security for the Air Force, and counseling young Airmen on how to protect their online information.
The credit card is the best way to go if the buyer wants to rely on the bank to catch the fraud, but that is like waiting for firefighters to discover your house is on fire. Sure, they will show up to put out the blaze--but how much damage could have been prevented.
Safest bet is to be proactive and always do the protection yourself. For instance, I have a checking account set up for only online purchasing. Tied to that checking account is a debit card. When there is an online purchase to be done, I transfer only the necessary amount into the appropriate account and then make the purchase.
Protecting your money by being proactive removes 90% of the risk. Even if your account is hacked, the perpetrator would have to try using your card during the few moments when the account owner is transferring funds and finalizing the purchase. Although the risk is still present, the damages would be minimized and the cardholder would lose no more than they were already willing to spend. Which of course would be covered by the banks fraud protection.
Once again, just my opinion. Although, please--I highly encourage this conversation to continue. In fact, since most of us here do a fair amount of online purchasing the more we share our ideas for identity protection the better.
Chime in one and all!"Procrastination is the art of planning for tomorrow."Comment
-
That works too, though you may lose the cash that's setting there. I do the same thing but with my credit card account. I have a WF checking account, and debit card tied to it, but I also have a WF Visa credit card. I use the WF VISA credit card for all online purchases, then immediately transfer funds from my checking (one stop transaction) into my VISA account to cover the charge, and make the credit card payment then too. Works the same as your system, only MY cash is not being put in harms way at any point.
You're also right in that online shopping is nothing to fear, it's like anything though, be smart and aware of who you're dealing with. Eyes front so to speak.
Regards,
g.Comment
-
aw yeah Green Arrow poster.Comment
-
Anybody have any new info on GA's release on December 15th???
Comment
-
I reckon they are doing this on purpose, all part of marketing, Im sure they realise everyone wants to see the package, and they are simply building up the frenzy, and dec 15th will go mental, I hope
Comment
-
Should we post a countdown clock or something?Comment
Comment