Navigating Online Purchases Without a Credit or Debit Card

Not having a credit card is not a big problem, but not having a bank account can make online shopping a challenge. In this article, we will explore various payment options available to individuals who do not have a credit or debit card, as well as tips on how to make online purchases smoothly.

Payment Options and Their Pros and Cons

Paying for online purchases without a credit or debit card can seem daunting, but there are several solutions to consider. PayPal, Apple Pay, Google Pay, and other digital wallets are popular options, but they may not be the best choice if you do not have a bank account. Debit cards, while convenient, offer fewer protections compared to credit cards. In the event of fraud or issues with a purchase, credit cards are typically easier to manage.

If you have access to a debit card, it might be your best option. However, be aware that debit cards do not provide the same level of protection as credit cards. If you are an adult, consider getting a secured credit card. These cards require a deposit, which acts as your credit limit, and they build your credit score over time.

Using Gift Cards and Cash

Your other choice is to buy a gift card and use cash. Supermarkets often have gift card displays, allowing you to choose the specific store you want or get a prepaid credit card. It is wise to plan your purchase first, ensuring you come close to the balance on the card without going over. Don’t forget to factor in taxes and shipping costs.

For major sites like Amazon, you can even find lists of laquo;cart fillerraquo; items to add for shipping or to use up remaining funds on a gift card. For example, you could buy the towels you want and add a glue stick to clear out a few leftover dollars.

Personal Experiences

I am 56 and haven’t had a credit card for years by choice, but here’s what I use:

PayPal Venmo Gift cards: Any chain grocery store sells Amazon, Netflix, and other gift cards.

A debit card, while not the same as a credit card, can be useful. There are methods to pay by electronic check, especially for popular merchants.

Conclusion

Buying things online is no different than buying in person. Each seller has their own rules, and you may find that some will accept unconventional payment methods. However, it is advisable to avoid sending cash through the mail for online purchases.

For anyone looking to shop online like a 21st-century modern person, opening a basic bank account with a debit card makes it very easy.