Re:A $43,859.00 Refurbished Mac Pro
by jdavis703 on Tuesday June 30, 2020 @01:02AM
(#23686729)
The bank would immediately decline a $43,000 purchase on my card. Not only is this way over my debit card’s daily anti-fraud limit, it also exceeds my bank balance. I would recommend keeping a small balance in any account used for online purchasing.
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I never purchase items with a debit card. A credit card always beats a debit card if you are able to pay it off every month.
If there's a wrong transaction with a credit card, the company will 99.99% of the time immediately take your side, and all you have to do is click dispute, and the money is instantly credited to your account.
With a debit card, in the past I have had to go through a week or so long process to get fradulent charges removed.
Plus other benefits, there are perks like automatically extended warranty on purchases like this one (amex), and all sorts of discounts.
I purchased something with a credit card, and returned it, but it was "lost" in shipping even though they signed for it. It took a while to notice, then it took a while to investigate and then a specified time period had elapsed and my cc company wouldn't reverse the charge. I cancelled the card.
I'll stop blanket recommending credit cards now.
Amex it is.
Ha, it was amex. Yes, credit card are better than debit cards but I thought I would have more options.
My trick is to only have a £200 net worth