How to Get Free Stuff with Your Credit Card

Would you like me to tell you how to get basically anything you want for free, shipped and dropped off at your very own doorstep for FREE!

Here is what you do:

Go to any online retailer and order something with your credit card, it doesn't matter which credit card you use, but i have heard that American Express is starting to tighten up on their policies, so maybe use a Visa or Mastercard for the time being. It really doesn't matter which bank issued it, they all basically have the same policies regarding charge backs.

When you place the order you can use all your information as you would normally, enter your billing and shipping info, and have the order shipped to you.

HERE IS THE KEY -- when the stuff arrives make sure that UPS or FEDEX or whoever is contracted to deliver the goods, simply drops it off at your doorstep, in other words, DO NOT SIGN FOR THE ITEM. when these carriers do home delivery, they will always simply leave the item on your porch or doorstep and scan it in as being delivered or left on your doorstep. they do not require a signature because the company you ordered the goods from did not and will not use the signature required option on home delivery because it costs a couple of dollars more per package.

now call your credit card company and say you never got the item, you can say you ordered the item(s) but you have never received them, and TELL THE CREDIT CARD COMPANY YOU DON'T WANT A REPLACEMENT, you have decided to get something else instead. here is the thing, your credit card company, since you did not sign for the item, and nobody signed for the item, always backs the consumer or credit card holder and will issue you a credit to your account. this is called a charge back.

your credit card company sends a notification to the online retailer saying what you are saying, its a pretty basic form, and asks for proof of delivery. since you didn't sign for the package, there is no WRITTEN proof of delivery that you received these goods. the online retailer will supply the tracking number which only states that the "package was left on the front porch." you will get your money back on the purchase, and the retailer will have to eat the purchase, knowing darn well you received your goods.

the package sent through UPS or FEDEX is also automatically insured for up to $100.00 when the item is shipped, so the online retailer will get some of that money back, unless they happen to insure the package for more, which of course costs the online retailer more money.

This is a direct quote from the response Wells Fargo Merchant Services says to a merchant's claim to dispute the credit card holder's claim of not receiving the goods:

"We received your transaction and tracking information, but the proof of delivery is not signed. For this reason code, a proof of delivery signed by the cardholder or person designated by the cardholder to receive the merchandise is required. In future, please provide a signed POD for this reason code."

WHY AM I TELLING YOU THIS? because i own a small business and have had this happen to me a few times and it is absolutely and utter bullshit that i lose out the money of this sale when i shipped the goods to your freakin' billing address, and then you claim you didn't get it!! my own credit card company who does my merchant services has NEVER backed me or helped me win these disputes, nor have i EVER won any of these charge back disputes. and for the record, i use Wells Fargo for my merchant services (i.e. credit card processing), not some cheesy company that you might expect this kind of action from.

so i say go out and exploit this loophole in your credit card policy and maybe with online shopping becoming more popular daily these idiotic bank policies will change to help aid their merchants who by the way i make more money for them any of you average credit card holders. don't forgot visa or MasterCard gets about 3% of ANY online purchase you make from the online retailer to process your credit card, that's how they make their money.