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Which card protects consumer the best?

alexgold9393
New Contributor

Which card protects consumer the best?

Hi Guys, 

 

I'm interested in buying a replica watch from hong kong, they say they have a refund policy and everything but I'm still worried. If I get a POS in the mail, do I have any recourse and what's the best card to use to buy it. 

 

I have discover, capital one, credit one, us bank, and citi. 

 

Thank in advance


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Message 1 of 16
15 REPLIES 15
Anonymous
Not applicable

Re: Which card protects consumer the best?

Capital One is excellent with disputes in my experience. They also charge no foreign transaction fees which is even better. 

I would be really leery about doing this though... you may end up fighting an uphill battle trying to get your money back if you don't like the item since you'll be required to ship it back to Hong Kong and any number of things can happen along the way. 

Message 2 of 16
Shooting-For-800
Senior Contributor

Re: Which card protects consumer the best?

illegal transactions are probably not covered by any card.

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $400k unsecured credit in 2021.

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Message 3 of 16
Anonymous
Not applicable

Re: Which card protects consumer the best?


@Shooting-For-800 wrote:

illegal transactions are probably not covered by any card.


Replicas aren't illegal as long as they are sold as replicas. 

Message 4 of 16
SouthJamaica
Super Contributor

Re: Which card protects consumer the best?


@alexgold9393 wrote:

Hi Guys, 

 

I'm interested in buying a replica watch from hong kong, they say they have a refund policy and everything but I'm still worried. If I get a POS in the mail, do I have any recourse and what's the best card to use to buy it. 

 

I have discover, capital one, credit one, us bank, and citi. 

 

Thank in advance


Don't do it. "Replica" is codeword for knockoff.


Total revolving limits 677500 (584500 reporting) FICO 8: EQ 758 TU 777 EX 749

Message 5 of 16
Anonymous
Not applicable

Re: Which card protects consumer the best?


@SouthJamaica wrote:

@alexgold9393 wrote:

Hi Guys, 

 

I'm interested in buying a replica watch from hong kong, they say they have a refund policy and everything but I'm still worried. If I get a POS in the mail, do I have any recourse and what's the best card to use to buy it. 

 

I have discover, capital one, credit one, us bank, and citi. 

 

Thank in advance


Don't do it. "Replica" is codeword for knockoff.


What exactly is the problem with that? Some people don't want to pay a fortune for a watch. As long as they know what they're buying, it's nobody else's business. 

Message 6 of 16
SouthJamaica
Super Contributor

Re: Which card protects consumer the best?


@Anonymous wrote:

@Shooting-For-800 wrote:

illegal transactions are probably not covered by any card.


Replicas aren't illegal as long as they are sold as replicas. 


That's absolutely wrong. Replica is a common codeword for knockoffs. One can easily get embroiled in a trademark infringement suit, or worse.


Total revolving limits 677500 (584500 reporting) FICO 8: EQ 758 TU 777 EX 749

Message 7 of 16
SouthJamaica
Super Contributor

Re: Which card protects consumer the best?


@Anonymous wrote:

@SouthJamaica wrote:

@alexgold9393 wrote:

Hi Guys, 

 

I'm interested in buying a replica watch from hong kong, they say they have a refund policy and everything but I'm still worried. If I get a POS in the mail, do I have any recourse and what's the best card to use to buy it. 

 

I have discover, capital one, credit one, us bank, and citi. 

 

Thank in advance


Don't do it. "Replica" is codeword for knockoff.


What exactly is the problem with that? Some people don't want to pay a fortune for a watch. As long as they know what they're buying, it's nobody else's business. 


According to the courts of the United States it is the business of the company whose works are being knocked off.

 

 


Total revolving limits 677500 (584500 reporting) FICO 8: EQ 758 TU 777 EX 749

Message 8 of 16
Anonymous
Not applicable

Re: Which card protects consumer the best?


@SouthJamaica wrote:

@Anonymous wrote:

@Shooting-For-800 wrote:

illegal transactions are probably not covered by any card.


Replicas aren't illegal as long as they are sold as replicas. 


That's absolutely wrong. Replica is a common codeword for knockoffs. One can easily get embroiled in a trademark infringement suit, or worse.


It's a legal grey area. You can buy but you can't sell. Importing a replica or clone is totally fine as long as it's for personal use. 

Message 9 of 16
Anonymous
Not applicable

Re: Which card protects consumer the best?


@SouthJamaica wrote:

@Anonymous wrote:

@SouthJamaica wrote:

@alexgold9393 wrote:

Hi Guys, 

 

I'm interested in buying a replica watch from hong kong, they say they have a refund policy and everything but I'm still worried. If I get a POS in the mail, do I have any recourse and what's the best card to use to buy it. 

 

I have discover, capital one, credit one, us bank, and citi. 

 

Thank in advance


Don't do it. "Replica" is codeword for knockoff.


What exactly is the problem with that? Some people don't want to pay a fortune for a watch. As long as they know what they're buying, it's nobody else's business. 


According to the courts of the United States it is the business of the company whose works are being knocked off.

 

 


Which doesn't impact a consumer at all. Producing and selling knock offs is illegal, buying or possessing them is not. 

Message 10 of 16
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