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Tuesday, February 22, 2011

How To Shop Online without a Credit Card

Shopping online opens up a lot of options for the average consumer. Now, you can shop in the comfort of your own home. Everything from electronics to groceries can be delivered to your doorstep. There are various payment methods for online shopping. The most common method is through a credit card. This way, the goods will just be charged and you do not have to give any cash. Using a credit card cuts the payment time in half. However, some people don’t have credit cards. If you are one of them, you can still shop online without having to apply for a credit card. Just remember a few simple tips and you can get the items you want without leaving your home.

Here are a few simple tips on how to shop online without a credit card:

1. Use a debit card. Banks such as Visa and Mastercard offer debit cards made specially for those who shop online. Using this method is probably the easiest way, as you just have to buy the debit card you need at your local drug store, and some retail stores. You have two choices: disposable and rechargeable. If you choose a disposable debit card, you can only use it once. This is good if you normally don’t shop online. However, if you are a regular online shopper, a rechargeable, reusable debit card would be best.
2. Sign up for a PayPal account. PayPal is an easy way to pay for your online shopping. You can go to the PayPal website to register for free. After you register, you have to get verified. You will then have to link your bank account to the PayPal account by inputting some information. It takes five days to complete the verification process.

3. Purchase an Amazon e-certificate. Amazon is a well known buy and sell website. They also offer e-certificates which can be used to buy items online. These work much like a gift certificate, but all you have to do is send an e-mail. You can easily transfer your money to the seller by giving them your bank account information.
4. The next time you go to a mall, ask if they sell gift cards for online shops. Many retail stores like WalMart and Walgreen’s now offer gift certificates you can use to buy their products online. This will make it much more convenient for you to do your grocery shopping, even if you are very busy.
5. Use Coinstar. Coinstar is best known for turning change into cash. However, they also have other services. They also offer online shopping gift certificates. The next time you pass by a Coinstar machine, try to look for this function. This will save you a lot of money because you won’t have to pay for the counting fee.

There are ways to safely shop online without having to apply for a credit card. These simple tips will help you discover the potential of online shopping.

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