reston_ray
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posted on September 6, 2000 02:57:55 PM new
Just reading TSZ and they are discussing a Y change with links etc. that state "as of Sept. 13th, 2000 all buyers must register a credit card (both new and repeat buyers).
Seems a little late to just be hearing that this went into effect almost 3 weeks ago.
Did I miss something? Why didn't anybody tell me?
Seems like a rather major change with both positive and negative effects. Any feedback from buyers? Did Y say it is in effect but are not yet actually enforcing it.
In brief, is there anyone who actually knows what is happening?
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auctionee
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posted on September 6, 2000 03:04:36 PM new
It was just posted on the website, it's not in effect until Sept 13 which is next Sunday.
http://auctions.yahoo.com/phtml/auc/us/promo/biddercc.html
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reston_ray
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posted on September 6, 2000 03:34:45 PM new
Sorry, I said Sept. but thought Aug. Made me think it had been in effect.
Ok back on track. It's coming. Now what?
I'll sell to people who can don't have CC's. Can they email me? I use 1st Bid Wins.
Interesting I guess. Less deadbeats but it hurts many people.
Well guess I better go connect with RL and figure out what month this is.
Now when does the next century start again? Last or next Jan 1st.?
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akt
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posted on September 6, 2000 03:59:44 PM new
I wonder if they could reg. there debit card? I know some people who use theres as a c.c. so they do not have to remember there pin #
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auctionee
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posted on September 6, 2000 04:25:57 PM new
If it is a Visa/Mastercard debit card, the credit card system doesn't know the difference....so in other words, yes it will work.
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yisgood
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posted on September 7, 2000 09:10:10 AM new
Yahoo does NOT validate the cards. You can put in any valid number and any name. THe name doesnt even have to match the name used to register the account. So this whole thing is a joke. Bad bidders know all about it. Real bidders might be scared off. Another great Yahoo "improvement." But I do hear that next month bidders will be limited to 1000 IDs and they lost one for every deadbeat bid. But it gets reset to 1000 each month.
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zzyzx000
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posted on September 8, 2000 08:07:12 PM new
This new change will reduce my deadbeats somewhat, but that was just a hastle. It wasn't costing me much money in the long run.
But the new rules will hurt my sales (what's left of them) even further. I sell video game carts, many for as little as $5.50. I know MANY of these buyers don't have credit cards, because I always recommend Paypal, and often they say they wish they could but don't have a card. Sometimes they ask a question in the auction saying they don't have a CC and can't bid because they don't have a +2 rating (my personal threshold). I always just relax the threshold for that auction and tell them to bid, and I've never had a problem.
If this was true CC verification (matching the name and address to the CC) and enforcing the TOS thereafter, I would say I'll bite the bullett and support the change.
Unfortunately, the bad guys will continue their ways, and I will lose some customers, many with high feedback ratings. All I really needed was to keep my +2 or CC verification threshold and have Yahoo let me choose to ban negative feedback rated buyers, whether CC verified or not.
Then again, I think every seller will soon realize that giving a buyer a negative is one of the worst moves a seller can make. Not only does it invite a revenge negative, as well as possible auction sabatoge, now a revenge feedback reduces your # of auctions allowed.
I think the best thing you can do to your deadbeat bidders is to give them an average rating with the comment that the buyer never paid or never responded. Then other sellers who haven't got paid will see from reading the feedback that their tardy payment isn't likely to arrive. And it is a final reminder to the buyer that it's time to poop or get off the pottie. And of course blacklist them. Not every deadbeat has another CC or even the energy to create another ID.
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myisland
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posted on September 8, 2000 09:35:59 PM new
Just wanted to put in my 2 cents worth here.. Several years ago, I sold items and bid and won items at Yahoo, just lurked around ebay, even tho I was a member there. One day as I was getting ready to post items for sale, I hit the submit button and what pops up was a page telling me I had to verify myself bla bla bla with a credit card. I didn't and still don't have a cc. I wrote to Yahoo, stating the fact and asked to be grandfathered in for I bought and sold had all pos. feedbacks. The reply was a no go..had to have cc. so off I go to eBay, when eBay went to the cc verification, they grandfathered me in. Been there and still there. Then about a year later, I again approached Yahoo with the request, to see even if I could verify some other way, so I would be able to sell at Yahoo, again the same bla bla bla need a cc to verify. I quit asking. When they first did this to me, I quit buying there also, I may lurk from time to time, but was so ticked off at Yahoo for not even willing to work with me that I wouldn't bid on anything. I know it wasn't the sellers faults etc. but it was the principle of the fact that Yahoo wouldn't even work with me after I had been there selling and buying prior, thinking, gee, was I not sending packages nor recieving them cos I had given false info.."NOT" and where did my positive feedbacks come from, they were all legit from selling and buying.. I'm not a big power type seller but all the same I'm an honest seller and buyer.. If Yahoo starts requiring buyers to also verify with a cc, I feel it will surely hurt them, I know they are trying to weed out dishonesty, but come on..dishonest people will get in there one way or the other, they know how to do it. To this day, if Yahoo would work with me, I would also use them, for I don't like having all my eggs in one basket..I am a registered seller in other auctions that I didn't have to have a cc, and was told if they start requiring one that I would be grandfathered in like eBay had done with me.. ok ok.. I'll hush now..just had to get this out..LOL Thanks for listening..
~myisland~
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granee
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posted on September 8, 2000 10:38:35 PM new
You can always put your email address in your auctions with a note saying that people WITHOUT credit cards can email you directly when they want to buy something.
I think that's what I'll do. I still get some checks and money orders from buyers, rather than PayPal or PayDirect payments, and I assume it's because they either don't HAVE a credit card, or don't want to put their credit card numbers online for fear hackers will get them.
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abingdoncomputers
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posted on September 9, 2000 05:52:53 AM new
Now when does the next century start again? Last or next Jan 1st.?
Next January 1st. We are currently in the last year of the 20th century.
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dman3
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posted on September 9, 2000 08:33:00 AM new
This is not as new or as major a change for yahoo as you might think.
yahoo has always
1 allowed sellers to set up all there sales so that they could not bid inless they registered a credit cards number.
2 yahoo has alway required credit card verification. if a new buyer wants to bid on more then 3 active bids at one time with one or more of its sellers .
answe can you use your debit card to register YES I have no credit cards at all I did Away with credit card debt and havent hand a credit card in over 7 years now I registered to buy and sell on yahoo and ebay with my visa Debit card from X.com.
as long as it comes back valid and the billing address matches the address you use in your registration, and a $1 charge isnt rejected by the card company.
they warn you a dollar charge from yahoo may show up on your next billing but will be credited back in your next billing to you.
they also requirer valid perminate email address that is not a free web based mail to verifed before you registration is valid.
WWW.dman-n-company.com
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CAgrrl
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posted on September 10, 2000 12:09:37 AM new
yisgood- LOL at your post! That's funny! 
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CAgrrl
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posted on September 10, 2000 12:18:10 AM new
I think it's terrible that they're going to require credit cards! I know so many people who have thrashed their credit ratings & have subsequently destroyed their cards & moved to a cash only basis. (I would very much like to destroy all my plastic myself- all it does is get me in trouble!! However my life is set up so that I couldn't possibly, so I live with the constant interest paymnents & temptations associated with the convenience of credit!)
Granee, thank you for posting your idea to have potential buyers email you directly. That's a smart move. Although many credit card-free buyers may be turned off to even looking at auctions on Yahoo in the first place, at least you will be able to catch the ones who aren't.
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dman3
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posted on September 10, 2000 08:53:08 AM new
even witha trashed credit rateing you can get a debit card CAgrrl
law says that if you have a checking account and have money direct deposited in to this checking the bank must provide a debit card for the account most just simply offer the feature now whe you set up the account.
only people who would have trouble getting one are the people who got introuble with banking over writeing bad check and have been black list from haveing a checking account inside the USA for a few years.
this might hurt some sales for a while but they will pick back up in short order.
by the way yahoo does verify credit card number and mialing address buy email to prove the email is valid and they now also send snail mail to your home that must be signed and sent back to them. before accounts become fully active for all uses.
anyone can sign up for an x.com they will get a $500 over draft and a visa debit card they dont have to use this for any other reason but CC verification if they dont want to.
in the long term this will help all out no more of these winning bids from 10 year olds or teens under 18 who after the bid request a month or two to save the money to pay for the item or go dead beat.
yahoo is takeing a big step to help sellers and buyer now and take more responcblity for activity on there auctions.
up till now all protection was for the buyers from fraud sellers I think its about time some one recognized the other side.
WWW.dman-n-company.com
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reston_ray
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posted on September 10, 2000 10:23:40 AM new
Well people will have to have CC's to use the site but sellers can still accept any form of funds.
So you will have to give YAHOO a card number to use the site but you can make all purchases by check, MO etc.
So we will lose the people who do not have some form of credit/debit card and hopefully this will stop some problems of abuse but cut-off some good customers.
People without CC's can still view the site and the including of a email address/statement to contact for direct purchase will facilitate questions from bidders and side sales.
Any substancial bad experiences from sellers who have included their email address?
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yisgood
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posted on September 10, 2000 06:44:08 PM new
I have always included me email ID and my web site. I think it's a great idea. Buyers can ask me questions without using the 'comments' thing in the auction for everyone to see. Often they just order direct and skip the whole auction.
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zzyzx000
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posted on September 10, 2000 06:54:20 PM new
Re: yahoo does verify credit card number and mialing address buy email to prove the email is valid and they now also send snail mail to your home that must be signed and sent back to them. before accounts become fully active for all uses.
Dman3: Check your facts. I just helped someone sign up to sell yesterday. No email check, nothing in the mail, and the Credit card was someone else's. they are selling today.
It's the same old story. Yahoo was built on a foundation of clay and it won't support any weight.
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CAgrrl
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posted on September 10, 2000 08:22:43 PM new
dman & zzy- It's when you sign up for PayDirect that they send you the snailmail identification & all that jazz.
reston ray- I put my email address in my auction ads. People rarely use it. Occasionally they email me right after closing a first bid wins auction but other than that I haven't had much email from buyers. I do get occasional questions from the question & answer that is available. I would rather have them email me directly than deal with that thing. But I try to describe my items in complete detail so that I don't have to bother with questions from anyone if I can help it!
I should add that I have been very very lucky & have not had a single bad or abusive customer in all my dealings on Yahoo & Ebay. I am so thankful for that.
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unknown
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posted on September 11, 2000 03:26:11 PM new
I think this is a big mistake for Yahoo.
I get lots of deadbeats on Yahoo, but since eveything is free who cares!
Lot's of people do not have credit cards. Children for one, but lots of adults. Further more won't put thier credit card number on the internet under any circumstances.
I sell on Amazon, Ebay and Yahoo. And without a doubt more people on Yahoo pay with a money order than any other site. Some people just like to remain anonomous, and with a money order you can do that.
I suspect this business will be lost.
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violetta
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posted on September 17, 2000 05:43:45 AM new
I belong to a group of collectors and when this Yahoo policy was discovered, 7 of them stated that they will no longer buy from Yahoo. There are probably many more silent members who also will not buy on Yahoo because of it, but did not state so publicly. Many of these people pay by Money Order only and do not own a credit card. It is really sad that this new policy will hurt sellers -- and I don't really think it will do that much to prevent fraud. (I don't use Yahoo because of other onerous terms of theirs, but came to this board to see what was being said about this policy.)
Violetta
(Not known by this nickname anywhere but here.)
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zzyzx000
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posted on September 17, 2000 08:40:26 AM new
Almost everything Yahoo has done in the past year has hurt somebody and I don't see how any of the changes have helped anybody else.
What I would very much like to know is this: Since the new CC policy I have had half a dozen questions from wannabe buyers that said they tried to bid but could not. And they didn't know why.
Now I know that many people can't or won't read more than a sound byte at a time, but I'd like to hear if the Yahoobots are just denying the bids without explaination or if the buyers just aren't reading it?
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dman3
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posted on September 17, 2000 09:13:19 AM new
Well I know they verify your address by snail mail since I signed up for this to but I have had to change my primary email on yahoo twice in the last year and each time I was verified by mail.
it took a few days for the verification to take place and I was able to continue to sell and buy.
I got a notice by email telling me I would have 30 days to verify my change.after two weeks I got an email with a verification number to verify my email change.
the person who signed up to sell with someone else credit card has to live at the same address as the billing for that card for them to verify it or they had to give a false mailing address.
in the case of false address in about three weeks when the snail mail verification comes to the wrong address if the owner of the card didnt agree and that mail isnt verifyied they will be locked out most of there yahoo account when they try to login they will get a screen that tells them they must call yahoo for more information.
yahoo protects your account in this way also if you try to login the yahoo wallet or billing three times with the wrong password they lock you out till you call them then they ask your life history to prove who you are at that time they issue you a new password. in three weeks another snail mail comes to your home with a verfication number you must go to a link and put in.
yahoo use to veryify all credit and address info just through email but no more they dont.
they will let you sells but they will allow no payment to or from that credit card till all is verifide twice.
also the protect you pretty well from people getting into your account and credit card by locking anyone even you out if the password isnt right after two failoed trys on the third you are directed to call them for help and more information.
I know been there done that.
WWW.dman-n-company.com
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heygrape
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posted on September 17, 2000 09:14:39 AM new
I also have had several buyers email me that the system wouldn't let them bid. One was a repeat buyer and was bidding on several more items. It let her bid on some but not others. I had to close the auctions so I could add those items to her purchase for her.
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CAgrrl
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posted on September 19, 2000 11:35:45 PM new
Oh boy. Today I had a customer "question & answer" me. (Why don't they ever just email me directly? My email is in all my auctions...) Anyway, she had 34 positive FB's so she was obviously not a newbie, & she couldn't bid on my item. She said it told her to try later? WHATEVER!! This sucks.
I told her to email me directly & if she wanted to purchase the item I'd close the auction for her...but boy what a pain this whole thing is!
Well, it IS a pain, but you have to have a credit card to shop ebay, don't you? I guess now the whole credit card verification is auction industry standard now? *SIGH* It's not like Ebay doesn't have deadbeats- in spite of credit card verification it has PLENTY.
dman- I was really confused reading your post. I didn't get snail verification from Yahoo except for when I signed up for PAyDirect.
How many of you guys actually went through snail verification? why didn't I?
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violetta
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posted on September 20, 2000 06:22:04 AM new
I didn't have to be verified with a CC at ebay. Maybe they grandfathered me in? I do have a CC on record, though, as it was the easiest way to pay my listing fees. You DO have to have a credit card on ebay if you use a free ISP for your email address. But with a real ISP they didn't require it. If I agree with a site's terms and trust them I don't mind giving them my CC number. But I think it's stupid of them to require it for buyers to even shop there -- the people I know don't have credit cards because they don't believe in buying on credit. So they won't get a credit card just to satisfy a stupid requirement -- they just won't shop there anymore. And they are not small spenders, either!
Violetta
(Not known by this nickname anywhere but here.)
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VeryModern
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posted on September 20, 2000 06:33:19 AM new
I got this yesterday:
>>>>> Had the high bid on your XXXXXXX but got outbid & Yahoo won't let me bid higher since I don't have a credit card. I won't get to bid on any other Yahoo items & that's a bummer. What do you think of this new rule? >>>>>>>>
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CAgrrl
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posted on September 20, 2000 11:51:15 AM new
violetta- I started selling on Ebay over a year ago, & when I started it wasn't necessary to place a card on file, but it was optional. My boyfriend has since then opened an ebay account & he was required to enter a credit card number. I think the rules changes somewhere in between the time I registered & the time he did. I'm pretty sure you have to enter a credit card number to register a new account on Ebay.
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chasd7
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posted on September 25, 2000 08:22:36 AM new
PARDON ME!!! How does CC verification protect sellers?
You can have a CC an still be a dead beat.
Is there someone at yAHOO that thinks up this stuff as busy work?\
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yisgood
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posted on September 25, 2000 08:34:06 AM new
If implemented correctly, CC verification would cut down deadbeats.
1) make sure that the name and address of the CC match the name and address used to create the account (right now Yahoo doesnt do that)
2) pass that name and address to the buyer/seller when the auction ends
3) kick off deadbeats and scam sellers (right now it is just about impossible to get kicked off yahoo)
4) do not allow the same name and address or the same CC to open another account
If these 4 steps were followed, it would put an end to scamming pretty quickly. Even now, just the fact that you have to enter a CC is cutting down on the deadbeats. But it's also cutting down on all bidding.
Yahoo still has to learn that to run a site, you cant automate everything. Someone in the process there has to be a human being making decisions. If you try to run a site without people, you get a sloppy mess with no customer service, lots of screw ups, complaints and scams. The honest folks folks will hate it but the scammers will say "Yahoo!"
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auctionee
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posted on September 25, 2000 10:20:44 AM new
When Yahoo started the buyer CC verification, sellers ASSUMED that they would benefit from it by reducing deadbeats. However, if you look at the original post Yahoo made concerning it (http://auctions.yahoo.com/phtml/auc/us/promo/biddercc.html), it appears to me that it actually had nothing to do with protecting sellers or verifying bidders. It sounds to me like it was intended to be combined with the other recent changes to try to make an impact on "fraudulent" sellers and had nothing to do with legitimate bidders.
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