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International commerce - John C. Kirk — LiveJournal

Feb. 15th, 2012

12:56 am - International commerce

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Date:February 15th, 2012 08:47 am (UTC)
Could you set up your credit card to pay the whole balance by direct debit from your current account? That way you won't have to worry about not paying off / getting charged interest. Although you will have to be certain that your current account has enough cash in it on the due date.

Re: paypal. I've got increasingly worried about this. Basically, you're foregoing a lot of consumer protection, and relying on Paypal's (sometimes rather odd) complaints system. I'd be inherently quite suspicious of a site that only offers Paypal and bank transfer, and not credit cards, which have a lot more protection.
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Date:February 15th, 2012 11:38 pm (UTC)
Changing the direct debit sounds like a good idea, thanks. (At the moment, it's just set up to make minimum payments.) Mind you, if I make a payment today then I can pay it off by the end of March without being charged interest, so I'm not too worried about that. I normally just wait a few days, because the email receipt is in $ so I need to find out the equivalent amount in £ on my online statement.

In fairness to PayPal, they did rule in my favour last year (after I bought some dodgy software). I've appealed to the bank a couple of times when I had trouble with credit card purchases, and they were no help at all: they just told me that I had to speak to the company who took the money. Fortunately I was able to get a refund in both cases, but I think that the theoretical protection of credit cards may be overhyped. Still, I hope that these bike lights will eventually be sold by a reputable UK supplier (e.g. Wiggle), once the supplier has sorted out their issues.
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