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The window is usually 180 days, and some of the more lenient credit card companies will go back even further depending on the circumstances. She can easily get
by downandout 13y ago
The window is usually 180 days, and some of the more lenient credit card companies will go back even further depending on the circumstances. She can easily get back 6 of the 8 monthly charges.
A simple way to avoid issues like this is to always generate a virtual card for each purchase, and then turn the virtual card off the moment the transaction is completed. You can do this through Netspend prepaid cards - you just open their site in another tab, generate a card with two clicks and turn it off with another two clicks. It costs nothing and the whole process adds about 1 minute to your purchase. I do this for every "free" trial I take on - if I like the service, then I will consciously make the decision to change the billing to a real card. No one gets to make that decision for me.
- crag 13y agoThat's a lot of work to buy a pair of shoes. Not to mention, I never heard of Netspend (until now). And I spend most of my day on the net. You expect folks who don't to know? It shouldn't be this way. Buyer beware is one thing. But one shouldn't have to watch their back to buy a pair of shoes. What this company is doing is low down. By the way, thanks for the tip. I'm looking at Netspend right now.
- AlexDanger 13y agoVirtual card number? Never heard of this before. Sounds useful. Is this something unique to Netspend? Can you do it via Paypal or something if you're outside the US? I wouldnt need a physical card if I can link such functionality to my (verified) Paypal account.
- danielweber 13y agoMany (not all) credit card vendors offer virtual account numbers.
- dustinchilson 13y agoPayPal does it too. The screens to create the cards are just hard to get to.
- deleted 13y ago[deleted]
- downandout 13y agoI think PayPal used to do it through a browser toolbar they had, but disbanded the service for some reason. I'm not sure if they've replaced that functionality in some other product. With Netspend, you get one of their physical cards, but you also get a login for their site where you can create as many virtual cards as you want. The virtual cards use the balance from the main card, and you can shut off each virtual card whenever you feel like it.
- belorn 13y agoMy bank provides a virtual card service, and I use it for basically everything. I would be hesitant to make purchasing from smaller or new online stores without it.
- aestra 13y agoBank Of America has SafeShop for their cards. https://www.bankofamerica.com/privacy/accounts-cards/shopsafe.go https://www.bankofamerica.com/privacy/accounts-cards/shopsaf...
- jtbigwoo 13y agoDiscover card has something similar also: https://www.discover.com/credit-cards/member-benefits/security/create-online-account-number.html https://www.discover.com/credit-cards/member-benefits/securi...