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Originally Posted by frank29
Man, I don't know what to say. Using a VISA credit card, the most strigent safety precautions I have been faced with are 1) shipping address must be same as the on file billing address and 2) providing the verification number on the back of the card.
Providing my Social Security number when the seller is not providing financing? I don't think so. Why don't you call the customer service number on your card and see if that is even "allowed".....to make the cards easy to use, providers have guidelines merchants are supposed to follow....it sounds like this merchant might be exceeding established procedures.
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As a merchant, I can say Credit and Debit cards are very different regardless of logo. Debit transactions that cannot be collected upon are not underwritten by Visa, nor are banks required to pay the merchant their due. We have to verify ownership of a debit card differently that a credit card as well.
Also for you as a consumer, your recourse if an online retail screws you is limited with a debit card. Also refunds to debit cards are slow to post because of the number of institutions involved with a reverse debit transaction.
Bottom line, even if you don't want to carry balances and don't like credit cards you need to own at least one with a modest limit to avoid hassles like this.
-Bill
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