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A good measure of a company is how long they've been trading for. Of course, a long history does not mean that they can't go bust, but it does offer some measure of security.
Further security with credit cards: When paying with a credit card you have a lot more protection. Various credit cards offer various additional benefits. Some offer free insurance, free damage cover etc. However, the most important reassurance is that when you pay for a computer over the phone and then don't receive the goods you can get your money back from the credit card company.
It is important to deal with companies you can trust:
Best Price Computers Ltd has had facilities to accept debit and credit cards since our year of registration as a limited company, 1996. Since then our facilities have never been questioned or suspended. The company providing our current facilities i.e. Barclays Merchant Services has very amicably processed hundreds of thousands of pounds in card payments for us. We like to think that this is because they trust us.
So why pay with a debit card? There are several benefits. In many cases it works out slightly cheaper as paying with a credit card may attract a small surcharge. Further, if you maintain a balance on your credit card you are paying interest to your card company from the day you make the purchase.
But what about protection? If the firm you are dealing with is a trustworthy company the risk is negligible. Should there be any reason that you do not get your computer, they'll be happy to refund the amount. How do I know if a firm can be trusted?
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