Part suppliers not taking checks
Thread Starter
Instructor
Joined: May 2006
Posts: 132
Likes: 1
From: Canfield Ohio
Part suppliers not taking checks
have found two suppliers who have reasonably priced the emergency flasher cap/button that I need. neither will accept a check. (800+ crredit score). Having had my bank on-line account compromised twice I do not do electronic payments. Both suggested gift cards. Isn't that a well know scam? Suggestions.
Le Mans Master
Joined: Jul 2000
Posts: 7,639
Likes: 326
From: Greenville SC
You don't have a credit card you can use? I can't imagine.
The scam is if someone says you need to buy and send them gift cards. They are saying to buy a gift card. Ex. Visa GC at Walmart etc. and use it to pay them.
The scam is if someone says you need to buy and send them gift cards. They are saying to buy a gift card. Ex. Visa GC at Walmart etc. and use it to pay them.
Drifting
Joined: Feb 2005
Posts: 1,298
Likes: 115
From: City of Pompton Fl
Pro
Joined: Jan 2001
Posts: 650
Likes: 349
From: San Jose CA
Why not use an escrow service - protect both of you.
- Keysavvy.com (vehicle transactions)
- Guntab.com (originally for firearms, now for general use)
- Escrow.com
- https://www.trustap.com/
Administrator
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Moving this to C5 General for more discussion.
Drifting
Joined: May 2007
Posts: 1,552
Likes: 324
From: Mid Ohio
I didn't know such a thing existed. Looks like they (key savvy) charge a hefty fee though.
Why not use an escrow service - protect both of you.
- Keysavvy.com (vehicle transactions)
- Guntab.com (originally for firearms, now for general use)
- Escrow.com
- https://www.trustap.com/
Race Director
Joined: Jan 2002
Posts: 14,189
Likes: 288
From: Shitcago IL
St. Jude Donor '04-'05-'06-'07-'08
I don't think your perfect credit score has anything to do with a vendor accepting a check. Using gift cards is a known scam when dealing with an unknown party. A vendor was just giving you a suggestion in order for you to be able to complete a payment.
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Burning Brakes
Joined: Dec 2022
Posts: 1,035
Likes: 899
From: Nappytown MD
They probably have been burned by scammers writing bad checks so they stopped taking them and correct, credit score doesn't mean boo to a vendor. You think they will pay to pull your score? Only lenders give a crap about credit scores and even that system is flawed. I haven't used Checks in over 10 years or longer. PAYPAL, Zelle and so many other options that protect both the seller and buyer.
Melting Slicks
Joined: Sep 2021
Posts: 2,555
Likes: 1,213
None of the peer-to-peer options today "protect both the seller and buyer". You're at the mercy of the processing entity.
Credit cards have a dispute resolution system that usually works and you're limited to a $50 liability for fraud.
As far as writing checks goes the OP is simply going to have to join the modern world or accept that they can't buy stuff from a growing number of entities that don't take checks.
Pro
Joined: Jan 2001
Posts: 650
Likes: 349
From: San Jose CA
KeySavvy is for buying/selling whole vehicles, you don't need that here.
IMHO these are by far the best way to handle online transactions.
For the record, I wouldn't accept a check from anyone I didn't know. Even a cashier's check doesn't guarantee payment. Check with your bank, they will tell you, a check payment isn't really non-reversable for 30-90 days. They are literally the most insecure (non-cash) way to do business for both the buyer (forging/washing a check is easy) and the seller.
Drifting
Joined: Feb 2005
Posts: 1,298
Likes: 115
From: City of Pompton Fl
Zelle 's parent company has been sued by multiple entities. I don't consider them safe for general use.
None of the peer-to-peer options today "protect both the seller and buyer". You're at the mercy of the processing entity.
Credit cards have a dispute resolution system that usually works and you're limited to a $50 liability for fraud.
As far as writing checks goes the OP is simply going to have to join the modern world or accept that they can't buy stuff from a growing number of entities that don't take checks.
None of the peer-to-peer options today "protect both the seller and buyer". You're at the mercy of the processing entity.
Credit cards have a dispute resolution system that usually works and you're limited to a $50 liability for fraud.
As far as writing checks goes the OP is simply going to have to join the modern world or accept that they can't buy stuff from a growing number of entities that don't take checks.
Zelle does NOT currently offer buyer or seller protection, so once that money is sent, it's gone.
As far as I know, PayPal and Venmo (a PayPal company) are the only 2 offering buyer protection.
I'll pay with Zelle on the spot, but I won't Zelle a stranger.
Drifting
Joined: Feb 2005
Posts: 1,298
Likes: 115
From: City of Pompton Fl
Happens all the effing time and it's absolutely wild to me.
Instructor
Joined: Apr 2005
Posts: 121
Likes: 18
From: MO.
How is writing a check and sending it through the mail that has your bank account number,routing number with name and address across the front of it safer than a electronic transaction? Myself, I'd put it on a credit card first just for the protection .I'd use a virtual card number online if I could. Citicard has or had for that matter a pretty good virtual card system but believe they may have screwed the pooch on the 8- 24 when they changed it.
Instructor
Joined: Apr 2005
Posts: 121
Likes: 18
From: MO.
Now as for as Paypal. You need to be careful. I've been member with them for 25+ years and I sell a few online items on do it under a business, its all on the up and up. Several years ago , actually around 18 years after I started with them, they wrote and said for protection they where limiting my account and i needed a account reserve built up of $759.00 before they would release any funds back to me. So if i got paid or got a refund, it went to satisfy that requirement. Here is the kicker, the items I sell where only $17.00 a piece and I had maybe only 2 issues in the 18 years I had been with them,mostly do to a few USPS shipping issues, which I ate. I fought against Ebay managed payments until this happened and had to go with Ebay payments. I don't know where they came up with the 700 plus figure but it locked me out for 4 months and 3 supervisors and 5 service reps couldn't answer it or unlock it. They would only give me a "new customers need a reserve". 18 years I was still considered new. I very seldom use Paypal anymore.
Racer
Joined: Sep 2024
Posts: 258
Likes: 26
I’ve found two suppliers who have reasonably priced the emergency flasher cap/button that I need. Neither will accept a check. (800+ credit score). Having had my bank on-line account compromised twice I do not do electronic payments. I was looking for a comprehensive guide to check cashing to understand safer payment options. Both suggested gift cards. Isn’t that a well-known scam? Suggestions.