Instead of using a credit card, I use a Visa debit card for my online purchases. I find it more convenient.
For me, what works is Union Bank’s EON card, which is a Visa debit card. I stumbled upon it several years ago when I got my first Kindle. I have been using it since then.
I applied for my EON card at a Union Bank branch. But now, you can apply for this card at the Union Bank’s website, just fill out the form, then just get the card at a Union Bank branch. It is quicker and faster. One of my friends got hers the day after she applied for one.
I have used EON in buying stuffs at Amazon, both at Amazon US and UK, aside from Kindle books I buy from time to time (and usually, in the middle of the night!). I’m a big fan of Downton Abbey so every time a season is finished, I pre-order the season’s DVD at the Amazon UK’s website.
I have also used my EON at the Apple Apps Store for my kid’s apps, and at iTunes for hard to find recordings of the musicals I like or old albums not available anymore in the local shops.
I bought a bag at Cath Kidston’s website using this card as at that time, there was no Cath shop in the country.
To fund your purchase, you can just deposit the amount you need approximately to buy the item that you want. But you can also put more than that and use the card as a form of a savings and spending account. However, just be aware that the bank limits your transaction to Php 20,000.00 per day. If you need to purchase something more than that amount you have to request for an increase in your daily limit. The bank said it is for the protection of the card owner. Kinda makes sense!
The annual fee is Php 350.00 and you don’t need a maintaining balance for EON. When I wanted to buy something, I just go to the nearest Union Bank branh and deposit the approximate amount I need to pay for my purchase. I usually check on my card’s transactions and charges by logging in to my online banking account at the bank’s website.
Nowadays, I have been using this card also to pay for my groceries, and other purchases in the malls and supermarkets. It is easier than carrying cash or using my regular ATM. The cashier either swipes it like a credit card, then you sign the slip or like an ATM where you need to input your PIN number. It really depends on the store and the terminals. So, be sure to sign your card too.
Just thought of sharing this. I have recommended the card to several friends who wanted to buy stuffs online too. I think there are other local debit cards available now, but since this one works me, I didn’t check the others anymore.