The best visa card to get

How to use a debit card to get a refund on faulty goods

The best visa card to get

7:00AM BST 20 Sep 2013

The best visa card to getComments

You kindly phoned us with advice in reply to our (unsigned) letter about our difficulty in getting our chair refurbished. You told us we should phone our bank soonest. We hasten to tell you that we have received our bank statement with the good news that the bank has refunded our instalment payments (£68.53 and £274.12) made by Visa Debit. Many, many thanks. We hadn’t realised that Visa Debit payments were protected in this way.

You had made part payments towards the cost of getting a chair refurbished. Then the firm supposed to be doing the work said the fabric requested was not, after all, available. You chose an alternative. Weeks later the firm apologised for the delay blaming a man known, it claimed, to be inefficient in the workplace. I understand you have your chair back but it had not been upholstered. Nor is there sight nor sound of the material you had paid for. After that the phone number of the upholsterer became unobtainable.

You are 78 and 80 years old and were desperate to get your money back. I cannot take up any matter without a signature. That will get me off the starting blocks as far as looking into a query. Then again you hadn’t approached the bank and I do not make first approaches.

I suggested you go to the bank and ask it to effect a ‘chargeback’. To this you politely proclaimed yourselves baffled. However, as your letter shows, you complied and the desired result was forthcoming. It was kind of you to let me know what happened.

Other readers having written in with similar predicaments.

When an ordinary purchase, albeit sometimes with a lower limit of £10, has been made with a debit card, the card provider may be able to reverse a transaction where a problem such as is related here occurs. The bank may see the money goes back into its customer’s account and then dispute the transaction on their behalf. If the company at the receiving end of such a chargeback is able to stand up their case, the customer’s account will be re-debited. If not the money stays with the customer. Otherwise the bank may tussle with the acquiring bank before reimbursing its customer.

There are deadlines; these may depend partly on the card scheme. Typically it will be 120 days from the date the cardholder becomes aware there is a problem with a cut off of 540 days from when the transaction happened. Or it could be 120 days from the date of purchase. Rules vary depending on the type of card and the kind of transaction so check out the particular terms and conditions pertaining to you.

Paying by credit card gives legal, and therefore better, protection than the chargeback rule for most circumstances for transactions worth between £100 and £30,000 where there is misrepresentation or breach of contract.

Under the Consumer Credit Act the bank is made jointly and severally liable with the merchant. Even if only a proportion of the transaction has been paid with the credit card and the rest paid some other way the bank is still caught up in the matter of reimbursement for the whole transaction.

A chargeback will also work for sums lower than £100 on a credit card.

SUPPLY OF GOODS & SERVICES ACT 1982


When to Use a Visa International Prepaid Debit Card

International travel can be an experience that expands your horizons and helps you learn new things and shift your perspectives. Depending on your circumstances when you travel, you may find that your best payment option is a prepaid international Visa debit card.

Ideal Times to Use a Prepaid International Visa

A prepaid Visa debit card designed specifically for international use can be beneficial in a variety of circumstances. The best times to choose this payment option include:

When You're Concerned About Financial Safety

Many times, when you travel you will stand out as a tourist, which could make you a target for thieves. If you're concerned about having your bank account or credit compromised, then your trip is an ideal time to use a Visa international prepaid debit card instead of your regular debit or credit card.

A prepaid debit card is protected by a PIN, and it's more secure than other debit or credit cards because it isn't linked to your bank account or credit line. It also has a precise balance, which means that if you lose the card or a thief steals it, the amount of money you lose is limited.

When You Have a Poor Credit Rating

Using a credit card when traveling overseas can be advantageous because they are widely accepted and often offer purchase protection benefits. However, if you can't qualify for a credit card or if your credit limit isn't high enough for the spending level needed for your trip, an international prepaid debit card is a good option.

A Visa prepaid debit card is accepted everywhere a regular Visa card is, but it doesn't require a credit check. When you're traveling overseas but are struggling with your credit rating, a Visa international prepaid debit card is a good solution.

When You Absolutely Must Stay on Budget

If you have a strict budget for your trip and are afraid you may go over the limit if you have a traditional credit card, you've discovered an ideal time to use a prepaid international Visa debit card. You will load the card with the funds you have allocated for your trip before you leave the United States, so the amount on your prepaid card functions as your spending limit.

Keep in mind that some prepaid Visa cards are reloadable from your checking account, which can be helpful if you need to add a few extra dollars. However, this can be dangerous if your checking account has enough extra money to blow your budget.

Benefits of Prepaid International Visa Debit Cards

There are several great benefits of using a prepaid Visa debit card on your international trip.

  • One of the advantages to using a Visa prepaid debit card is that you can use it anywhere Visa is accepted. Wide acceptance makes the card extremely convenient.
  • You can use this kind of card at ATMs overseas to withdraw money from the balance of the card, in case you need cash on hand.
  • An international prepaid debit card also makes currency conversion simple. You load the prepaid Visa debit card with money from your home country, and it will be converted at the time you use it. The conversion rate on the day of your purchase is the rate that will be applied.

Drawbacks of International Prepaid Debit Cards

Prepaid international Visa debit cards are not without their drawbacks. Cons to consider before deciding to opt for this type of purchasing card include:

  • Prepaid international debit cards carry a lot of fees. On a list of the 11 best prepaid cards to use overseas in 2015, Cardrates.com indicates that these cards often include currency conversion fees, ATM withdrawal fees, monthly fees, inactivity fees, card fees, and transaction fees. These extra costs can make a big dent in your travel budget.
  • Prepaid international debit cards don't offer the fraud protection of credit cards. If this type of card is stolen or fraudulently used, you will lose the money you had loaded onto the card.
  • You can't use an international prepaid debit card for situations where a card is pre-authorized, such as having a credit card on file at a hotel.

Traveling at times when you are concerned about financial security, struggle with your credit rating, or absolutely must stay on budget are perfect opportunities to use a prepaid reloadable international debit card. If you choose to use this kind of card when you travel out of the country, be sure you understand all the pros and cons. Watch out for fees, but enjoy the convenience and security of a widely-accepted Visa card without risking your bank balance or credit rating.


How To Get A "FREE9quot; Virtual Credit Card (Free Visa Gift Card)

Today I'll be showing you guys How To Get A "FREE" Virtual Credit Card (Free Visa Gift Card). In this video you will learn how to get a free virtual visa credit card, with no payments required. You will also be able to sign up for trials using this method. You can use this credit card to sign up for netflix trials, free xbox live trials, psn trials & more. It is very simple and very easy to get your FREE virtual visa credit card, so make sure you follow all of the steps in this video.

• GET YOUR FREE VIRTUAL CREDIT CARD:

Comment down below, Like the video & Subscribe if you are new.

2) Complete offers, download apps, do simple tasks, visit websites, watch videos etc to earn points

3) Once you earn 500 points, head over to Redeem then click on Gift card store

4) Redeem your 500 points for a $5 Virtual Credit Card, you can use this credit card for whatever you want, you can even verify your paypal account with it.


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The best visa card to get

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Amazon Rewards Visa Card Review

The best visa card to get

Amazon® Rewards Visa® Signature Card snapshot

For avid Amazon.com shoppers, the Amazon Rewards Visa Signature Card (formerly referred to as Amazon.com Rewards Visa Card) from Chase Bank is like a dream come true, since it pays up to 3% back on all transactions through the Amazon.com website. But to call it the “Amazon” Visa might actually be pigeonholing it a bit, since the Chase Bank-issued credit card still pays generously on many other regular day-to-day purchases, online and off.

We especially love the Amazon Rewards Visa Signature Card because of zero annual fees, a $50 Amazon.com gift card upon credit card account approval (this offer can be found on Amazon’s, not Chase’s, website), and some other nifty perks worth checking out for a card that rewards you each time you’re at the checkout page. Even for the occasional Amazon customer, these can prove big sells. Keep reading to see if it’s something that deserves a place in your wallet.

Amazon® Rewards Visa® Signature Card highlights

- 2% back on purchases at gas stations, restaurants and drugstores

- 1% back on other purchases

- No foreign transaction fees

- Balance transfer, cash advance and other fees apply

- Credit card doubles as a reliable rewards card for everyday purchases

Amazon® Rewards Visa® Signature Card basics

The best thing about the Amazon Rewards Visa Signature Card is the opportunity to earn back a percentage of your purchases. Shop at Amazon.com for 3% back on your purchases; get 2% back when you use the card at gas stations, restaurants and drugstores; get 1% back for all other eligible purchases (balance transfers, cash advances, other cash equivalents and fees are a few examples of transactions that are not eligible to earn rewards).

Akin to an Amazon.com gift card, reward redemption is at your convenience. For Amazon.com mavens, the 3% back is ideal, even if you never use the card anywhere else; for example, if you spend $10,000 on Amazon.com throughout the year, you can earn $300 in rewards for those purchases alone.

Other rewards cards may out-earn the Amazon Rewards Visa Signature Card in some regards, but with the Amazon Rewards Visa Signature Card there are opportunities to earn higher rewards in selected categories.

What about fees and Annual Percentage Rate (APRs)? Thankfully, this card has no annual fee, and no foreign transaction fee. The Amazon Rewards Visa Signature Card does allow balance transfers and cash advances There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater. And a cash advance fee of either $10 or 5% of the amount of each transaction, whichever is greater.

Your interest rate will be based on your creditworthiness. The purchase and balance transfer APRs range from 14.99 to 22.99% variable, based on your creditworthiness; the cash advance APR stands at 25.74% variable.

As for making your Amazon Rewards Visa Signature Card payment, once you’re approved for the card, you’ll be able to manage your account online through the Chase website. You’ll need to create a unique login to get started (if you don’t already have a Chase login), and then you can use the online system to check your account balance, add authorized users, set up account alerts and make payments.

Payments can be made on a one-time or recurring basis. Automatic payments can be an advantage if you’re worried about missing your payment due date, which a missed payment can damage your credit score. Payments can also be accepted over the phone if you’re not able to pay online.

How do the Amazon Rewards Visa Signature Card’s rewards stack up?

One of the things that might benefit card holders the most about the 3% back is that it applies for most purchases across the site, there are some restrictions on your Amazon.com purchases.

The easiest way to use your Amazon Rewards Visa Signature Card points is to apply them at checkout when you shop at Amazon.com. The $50 bonus Amazon.com gift card can be applied the same way. You also have the option to turn your points into gift cards, cash back or credit towards travel.

Purchases outside Amazon.com earn 1% to 2% back. While the lower rewards are a bit less lucrative than Amazon.com rewards, the card more than makes up for it, since you’ll get 2% back back when you use the card for a gas, drugstore or dining at restaurant purchases, and 1% back on all other purchases.

Use the card exclusively in the 3% and 2% back categories, and your rewards portfolio can add up nicely and quickly. If you have an eligible Prime membership, you can upgrade your Amazon Rewards Visa Signature Card to earn 5% Back on Amazon.com purchases.

Amazon® Rewards Visa® Signature Card pros

It’s an Amazon.com customer’s dream credit card

Simply put, if you shop on Amazon.com frequently, you’d be remiss not acquiring this card for the money savings and rewards it imparts. Three percent back at Amazon.com transactions is the big selling point here, as those points can add up quickly, essentially translating into rewards for future purchases.

Sometimes, comparing rewards cards are a matter of perspective. For instance, Citi® Double Cash Card (Citi is a CreditSesame.com advertiser) offers 1% cash back when you make a purchase and another 1% when you pay for those purchases. It may appear like you’re earning more, but consider that the Amazon card gives more opportunity to earn higher rewards, in addition, with the Amazon card if you have an eligible Prime membership, you can upgrade your Amazon Rewards Visa Signature Card to earn 5% Back on Amazon.com purchases.

Amazon® Rewards Visa® Signature Card cons

Some critics bemoan the fact that the Amazon Rewards Visa Signature Card doesn’t come with an introductory zero percent interest rate to accommodate transactions like balance transfers or big-ticket purchases (even if it’s from Amazon.com). You can still make cash advances and balance transfers with the card, but APRs for those are on the steep side. You’d be better invested in a card devoted to paying off debt instead of the retail-centric Amazon card.

Amazon® Rewards Visa® Signature Card review: Should you get this card?

What’s the final verdict on the Amazon Rewards Visa Signature Card? Most of us have had experience giving and receiving Amazon.com gift cards, but to have a credit card dedicated to one particular site can mean good things for your finances (and credit) if you shop there regularly.

Compared to other rewards credit cards, the Amazon Rewards Visa Signature Card has some nice perks, starting with the absence of an annual fee. While you won’t get a big bonus right off the bat like you might with some of Chase’s other card offerings, the $50 Amazon.com gift card is a good reason to sign up if you want to save on a future Amazon shopping trip.

The rewards tier structure is where the card’s true benefits are found. If you find yourself a year-round Amazon shopper, 3% back is a mighty impressive return, although keep in mind the card imposes some restrictions on what you can buy on Amazon.com.

While the 2% back you can get at drugstores, gas stations and grocery stores is generous, other cards may pay out more rewards for these kinds of purchases. Another card in your arsenal may serve you better in these cases; analyzing your spending patterns can give you an idea of how much you stand to earn in rewards with the Amazon Rewards Visa Signature Card each year and how it compares to other rewards cards. Until then, we recommend having the Amazon Rewards Visa Signature Card on hand – but remember, spend responsibly.

Disclaimer: The information about Amazon Rewards Visa Signature Card has been collected by creditsesame.com and has not been reviewed or provided by the issuer of the card.

Disclosure: Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. Please visit the provider’s site for current information and verify all terms and conditions of any offer prior to applying. The editorial content on this page is not provided by any company or credit card issuer. Any opinions, analyses, reviews or evaluations provided here are those of the author’s alone, not those of any company or credit card issuer, and have not been reviewed, approved or otherwise endorsed by any company or credit card issuer. The offers that appear on this site are from companies from which we may receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all companies or all available products or all available credit card offers. All images and trademarks are the property of their respective owners.

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Disclaimer: The articles and information provided herein are for informational purposes only and are not intended as a substitute for professional advice.



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