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Thread ID: 25828	2002-10-13 02:15:00	Credit card purchases over the internet	dianne (1940)	Press F1

Post ID	Timestamp	Content	User
88706	2002-10-13 06:39:00	Dianne, I work for a company that provides a service entirely over the Net. And yes, dealing with us is safe. Just be aware that if you are dealing with companies off-shore NZ legislation - such as the Fair Trading Act - may not apply. Our Ministry of Consumer Affairs has the following on its web site: "In October 1999 the Ministry, along with a number of international government consumer agencies, joined forces in an International Internet Sweep Day assessing how well Internet shopping sites protect their customer’s interests. Of over 700 sites visited: more than half failed to outline their payment security mechanisms 62 percent provided no refund or exchange policies 75 percent had no privacy policy 78 percent failed to explain how to lodge a complaint 90 percent failed to advise customers what laws applied to their transactions 25 percent showed no physical address" In other words the rules that you would apply to mail order catalogues also applies to web sites. Check that the above is shown on the site you visit. I've bought books from Amazon - both in the States and the UK. All was fine. If in doubt check your bank's policies about fraudulent credit card purchases.	Heather P (163)
88707	2002-10-13 07:09:00	I made my first online transaction in 1994 and have never had a problem . Actually, I've never seen what the big deal is about giving your credit card info over the internet . If I give a waiter/waitress my card at a restaurant, what's from stopping him or her from writing down my details and using them? If you choose a legitimate retailer operating a secure site, you should be fine . If you're looking to buy computer stuff, check out www . resellerratings . com . You can read reviews of almost any computer e-commerce site in the states . Happy Shopping! g	glenn (177)
88708	2002-10-13 07:23:00	All good advice. Know who your dealing with if you can and good comment that NZ laws may not apply. The advice of using a lower limit card just for the net is also a good one for extra protection. Cardholders have the right to charge back goods ( up to 60 - 90 days I think) after purchasing & this protection is why using credit cards is better than other means of payments over the net. In fact you buying goods over the net is much safer from fraud than the people selling the goods. Some card issuers use pseudo card numbers (one use only card #'s) to protect their cardholders while others will be introducing new security measures some time next year. Depending upon the card agreement, you are normally only liable for the first $50. Make sure you keep an eye on your card statement to so you don’t miss anything untoward. The sooner you spot something wrong and report it to your bank the better. My advice in addition to the learned F1ers above is to ensure you keep an audit trail of the transaction. Print out details especially the last page of the shopping kart where it has the list of goods and amount & the next where it says approved and where goods are being sent to.	parry (27)
88709	2002-10-13 07:23:00	All good advice. Know who your dealing with if you can and good comment that NZ laws may not apply. The advice of using a lower limit card just for the net is also a good one for extra protection. Cardholders have the right to charge back goods ( up to 60 - 90 days I think) after purchasing & this protection is why using credit cards is better than other means of payments over the net. In fact you buying goods over the net is much safer from fraud than the people selling the goods. Some card issuers use pseudo card numbers (one use only card #'s) to protect their cardholders while others will be introducing new security measures some time next year. Depending upon the card agreement, you are normally only liable for the first $50. Make sure you keep an eye on your card statement to so you don’t miss anything untoward. The sooner you spot something wrong and report it to your bank the better. My advice in addition to the learned F1ers above is to ensure you keep an audit trail of the transaction. Print out details especially the last page of the shopping kart where it has the list of goods and amount & the next where it says approved and where goods are being sent to.	parry (27)
88710	2002-10-13 10:20:00	A good site besides using a secure page will use the extra three digits on the back of your credit card. This is to make sure that the person using the card details actually has the card as the 3 numbers are not on any printout.	mikebartnz (21)
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