September 2nd, 2009
eBillme Review: Start Shopping Online With Cash
eBillme, a payment alternative that lets you pay cash when you shop online, is an innovative solution to debt-free, credit-free shopping that gives you the convenience and savings of online shopping without a credit card. Swapping your credit card shopping habits with eBillme avoids interest rates fees, identity theft, and possibly even some of those spontaneous, one-click impulse buys. For careful consumers sticking to spending only what’s in their bank account, eBillme is a free and easy option that is less hassle than a debit card, less complicated than PayPal, and far less risky than credit cards.
eBillme is super simple. Just shop where you normally shop and when you’re ready to check out, look for the eBillme logo; it’s available at over 800 merchants and growing every day. If eBillme is a payment option, select it and submit your purchase and eBillme will send the bill to your online banking account. Log into your online bank and pay the eBillme bill just like you would your cell phone or credit card bills and viola — the retailer will release your purchase for shipping! While you will dodge potential credit card debt, paying cash will immediately shrink your bank account with every purchase, so make sure your late-night shopping sprees won’t shortchange you on your utility bills the next morning. This also limits the type of purchases you can make online since you will need to have the available money now in order to buy, rather than relying on credit to let you pay it off later.
eBillme also provides consumers several money-saving opportunities including rebates, deals, giveaways and even cash back on purchases. eBillme Stores helps you save more money by offering rebates for shopping with eBillme at select merchants, while the Debt Free Shopping Mall helps you search through products, deals, and even giveaways and contests at participating sites. eBillme Rewards gives shoppers more to cash in on by providing similar earning power as a rewards credit card with 1% cash back on all purchases. Along with the savings comes some protections, like Satisfaction Guarantee for no-hassle returns, a Buyer Protection policy that price-matches your order within 90 days of purchase, and protection against hackers and identity thieves.
Paying with cash at eBillme gives you the control, convenience, and security often only associated online banking. It is a great option to keep in mind if you are trying to keep yourself from getting in over your head with debt or if you don’t have a credit card yet. However, keep in mind that retiring your credit card from online shopping also means you will not be building credit or improving your credit report through regular credit use. But at least with eBillme, you can shop debt-free using secure cash payments with some of the benefits of a credit card and absolutely none of the fees.
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