Quote:
Originally Posted by apple44
I just wanted to find out if it is possible to buy things online without paying via credit card? Website like amazon etc.. I have been reading about debit cards but not really interested as there is a number of fees and i wont be using it all that often.
Is there any such thing as a pre paid visa in australia? I found bopo but has rather large upfront costs, is a monthly thing and i've heard problems with compatibility with certain online sites. There is also canvas card which is a little cheaper but a monthly card also.
i just basically want to deposit some money and be able to buy one off purchases online.
Any help would be great please.
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I'll school you really quick on the banking system. It wasn't a problem of the bank not taking it out til three days later. It was the merchant not sending in the payment til three days later. You are supposed to balance your books with the banks books. It's called bank reconciliation.
A debit card is the same thing as using checks essentially. So you have to wait a few days for things to clear. It's a good idea to write down your balance before you make purchases and keep track of everything you purchase. Then wait five days and see if the your record matches up with your banks records. You get overcharge fees when the money is in there but another merchant hasn't sent in the payments yet. It's almost like imaginary money. That's when you get overcharged and the fees start to kick in for the bounced payments(checks).