![]() | #5836 |
Distinguished - BHPian ![]() ![]() Join Date: Jun 2007 Location: Chennai
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Me neither, although most of my items (except maybe one or two) would have been below the limit. Duty payable on any other package was just given to the postman. I know people who regularly buy hifi from abroad: where larger amounts are concerned, they prefer to visit their local post office. I just had my first Ali-Express no-show. The sellers asked me to extend the time and then raise a dispute for a refund. I asked, couldn't they just send it again; they said, "Sure! OK!" So I wait in hopes. Oh, now they inform me that the original has been returned to them! Photography, tripod-head quick-release clamp, value merely Rs.850. My big caution with China shopping is not to jump to the conclusion that it will be the cheapest price. I have brought several Sirui tripod/accessory items recently, and all them have been cheaper to buy from Indian dealers. And, of course, they arrive within a day or two: sometimes, even when Ali Express is cheaper, it is not-enough-cheaper to warrant waiting a month for the thing. |
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![]() | #5837 |
BHPian ![]() Join Date: Dec 2015 Location: Bangalore
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| ![]() A genuine doubt for the more experienced shoppers on the forum, especially the ones using Aliexpress and other international sites. I just bought a dashcam from aliexpress using an international debit card, and the payment was completed without any OTP or any other security code! My concern is, shouldn't they be asking for an OTP, which is sent to Reg. Mobile no.? Is this the bank's fault that OTP wasn't demanded or the portal's? Also, is this normal on international portals? This is scary because anyone who gets hold of a card can simply enter details and spend! |
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![]() | #5838 |
BHPian ![]() | ![]()
This is normal for international transactions I think. The way you can protect it is if your bank provides you virtual one time use credit cards. Axis Bank and ICICI used to permit this earlier but have taken it out now. So off late I am using HDFC and you can set international transactions permitted or not and even the max amount to allow through online banking. This is some protection but not total. |
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![]() | #5839 | |
BHPian ![]() Join Date: Dec 2015 Location: Bangalore
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It's surprising how no protection is offered for international transactions. What could be the reason for this? There must be something that's not feasible for them to ditch this process completely. | |
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![]() | #5840 |
Distinguished - BHPian ![]() ![]() Join Date: Jun 2007 Location: Chennai
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Do let us know what they say. Seems to me that sometimes an OTP is asked for, and sometimes not, at least with Amazon.IN. Aliexpress, I don't recall. I have a hunch that the banks' systems have some inteligence and recognise, then trust, transactions one does regularly. Just a hunch! My preference is to use netbanking, but, of course, that is a domestic system. But doesn't the OTP system for card payments would work with international transactions? |
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![]() | #5841 |
BHPian ![]() | ![]()
When I took up the issue with Axis Bank, they told me this exact same thing. However still doesn't give me comfort that my card is safe from fraudulent transactions. Ultimately the liability is with us, unless we cough up for protection (insurance), which is kind of expensive. |
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![]() | #5842 |
BHPian Join Date: Nov 2013 Location: Bir-Billing, HP
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| ![]() OTP system is only implemented in India. It is another layer of protection that was added to make it difficult to wrongfully use someone else's credit/debit card. There is no such system implemented abroad. There you are only supposed to remember your CVV. Other countries believe that implementing such systems now would make it cumbersome for the people to use their cards. In India, we implemented this system very early when not many people were using cards for online payments, so not much of an effort was needed to re-educate people on how to use their cards. |
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![]() | #5843 | |
Senior - BHPian ![]() Join Date: May 2010 Location: TN-14
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RBI's safety first approach is way ahead of its times, I suppose | |
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![]() | #5844 | |
Distinguished - BHPian ![]() ![]() Join Date: Jun 2012 Location: BengaLuru
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I have no interest in HDFC matters, but even I use their cards for international transactions. Unless you specify it is enabled, they will decline all transactions which originate outside of India without OTP authentication. | |
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![]() | #5845 | |
BHPian ![]() Join Date: Dec 2012 Location: Chennai
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The precaution that I have always taken for my debit and credit cards is to scratch out the CVV as soon as I receive the card. This way even if it is stolen it cannot be used for any online transaction. | |
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![]() | #5846 | ||
Distinguished - BHPian ![]() ![]() Join Date: Jun 2007 Location: Chennai
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![]() What a clever idea! Sort of obvious when one thinks about it, but I never did ![]() The trouble is, it is all I can do to remember the PINs. | ||
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![]() | #5847 | ||
BHPian ![]() Join Date: Dec 2015 Location: Bangalore
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![]() I guess the only way to be safe is set a limit or block international transactions completely as everyone has pointed out, and enable when you need to buy something. Again, depends on how convenient this whole process of enabling/disabling is. | ||
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![]() | #5848 | ||||
Senior - BHPian Join Date: Dec 2008 Location: Bangalore
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Ultimately, credit cards are far safer than PayTM and other payment options. Some merchants try to take shortcuts, and when that goes out of control stuff hits the fan. And despite all the OTP and other stuff that RBI here has done, I find pretty much every payment gateway nowadays default to "store this card for faster checkouts" everywhere. | ||||
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![]() | #5849 | |
Distinguished - BHPian ![]() ![]() Join Date: Jun 2007 Location: Chennai
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Whilst there are some sites that say they are never privy to the actual card details, we can never be sure of anything. It always "amuses" me that my phone pouch has a space for storing cards. That's like putting my name and address on my keyring! I would never keep my phone and cards even in the same pocket, let alone directly together. | |
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![]() | #5850 |
Senior - BHPian Join Date: Dec 2008 Location: Bangalore
Posts: 3,040
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