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Old October 22, 2013, 03:04 PM   #26
Skans
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Quote:
One might be able to argue that the 3% fee is a "junk" fee although it does provide some protection/benefits, but it doesn't really make sense to call the shipping and transfer fees junk fees. If they weren't saving you money, you'd have bought locally and avoided them.
I purposely stayed away from calling it a fee - it's just a cost of doing business, I understand that, but it's still "junk" because it it's being paid for taxes or services I don't really want, i.e. not directly for the hardware I'm purchasing.

Quote:
$30 shipping plus a $30 transfer fee and a $5 NICS fee plus 3% on a $700 base purchase is $86 bucks. That's 12.3% in fees.
I said "about" because I was talking about guns ranging in price from $700 - $1000.

Quote:
If you buy locally, you'll have to pay sales tax. On a $700 base purchase, sales tax, + NICS + 3% amounts to $83.75 in my neck of the woods. That's 12%
Sales tax + markup are almost always more than shipping + transfer. Some dealers will even try to charge you for doing the 4473 paperwork on local purchases. Not that I can blame them, it's a PITA that they need to do and probably should be compensated for. However, if you can avoid paying the credit card fee, sales tax and get the gun for a little less than the LGS will sell it to you for, you almost always come out at least $100 to the good on internet purchases.

Basically, you can really save lots of money with internet purchases when you are looking for a barely used current production gun that is somewhat rare or difficult to find. IMHO, that's the sweet spot.

Last edited by Skans; October 22, 2013 at 03:11 PM.
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Old October 22, 2013, 03:30 PM   #27
ripnbst
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I pay with CC wherever the price doesn't go up because of it. I do it for the points/miles.
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Old October 22, 2013, 05:34 PM   #28
Vanya
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Quote:
Could you Please transfer my thread titled - Reliable good ffl Transfer in bedford, Euless, hurst. Arlington - Texas and nearby
to Handguns: General Handgun Forum ( as more people read that forum) Thank you
PM sent.
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Old October 22, 2013, 08:40 PM   #29
Beagle45ACP
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The earlier shipping is the only benefit I can think of.
But on the other hand, I've seen many sellers on GunBroker that charge a fee (usually around 3%) for credit card use.
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Old October 23, 2013, 04:47 AM   #30
chrisintexas
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I paid with the cc just to feel safe but they are saying they wont ship it till friday or early next business day
I thought 'early shipping' was one benefit of using cc as some poster mentioned here on this thread?
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Old October 23, 2013, 07:51 AM   #31
Skans
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Credit card is for the convenience of the buyer - charges can be reversed, so seller's typically don't ship immediately on cc payment. Postal Money Orders are what sellers want for immediate shipment - nothing else is the same as a Postal Money Order.

Buyer's don't like PMO's that much because it's a major PITA to go to the bank, get cash, then go to the post office, stand in line and wait for someone to sell you money orders during regular business hours. There really should be nothing wrong with paying with a regular old check, giving it sufficient time to clear. The only legitimate beef sellers have in waiting for a check to clear is 1) if it bounces, they get a small charge and 2) they just don't like waiting for their money. The former complaint is legitimate, and can easily be rectified by accepting Paypal or cc for a $30 deposit (they can absorb the $.90 in cc charges) and then wait for the check to clear. Heck, many of these Sellers have had their item listed on Gunbroker for months - a few more days isn't going to starve them out!!!
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Old October 23, 2013, 11:30 AM   #32
lcpiper
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Quote:
With a check or money order there is no recourse whatsoever. Once it is cashed you are out the money.
This is simply not true.

First off, I am not making any assumptions about the poster's question. He didn't specify on-line transactions.

First off, I use a CC or Paypal for almost all my purchases on-line or not. I get 1% cash back for CC purchases and my PayPal purchases go thru the same card for the same 1% benefit. And when I say almost all my purchases, I really mean almost all, I'll put a doughnut and coffee on my CC. I make more in cash back on my card then I do off 20,000 in my savings account all year. I never carry a balance. I do not pay interest for anything. I do not live in debt and I sure as hell don't manage it, that is a pauper's road.

As for consumer protection CC companies are ok, Paypal is even better and will almost universally side with the customer when making on-line transactions. Paypal is also much cheaper if you must transfer money to another Paypal customer then someone like Western Union. Really, if I need to send my kids some money I simply authorize a transfer, via my Paypal account to theirs and it's billed to my CC.

Sometimes I must use a check or money order. Now when it comes to other consumer protection it depends greatly on the amount of money in question. In simple terms, the less money involved the less anyone cares about it. But fraud is fraud and if the amount reaches felony levels then you definitely have recourse even across state lines.
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Old October 23, 2013, 12:16 PM   #33
vito
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When you send a vendor a check, and he cashes it, the money is taken out of your account. Even if you later claim that you were defrauded, the bank will not return your money but will advise you to seek an attorney to sue the vendor or file a criminal complaint against the vendor. When you buy a money order and send it to the vendor, your cash is also gone and when the money order is cashed the matter is closed. I am not sure what you are thinking when you state that my statement about no recourse is not correct, unless you consider a lawsuit a viable recourse (which I do not).

Personally I think that using a credit card or Paypal is the only way to go for online purchases. I would never buy and mail a money order to some vendor that I have not personally dealt with successfully for prior transactions and who has a physical address where he can be contacted.
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Old October 23, 2013, 01:52 PM   #34
Skans
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For those of you using paypal to buy firearms, Paypal says:

We don’t allow PayPal members to buy or sell any kind of firearm, whether it’s in working order or not. The same goes for certain firearm parts and ammunition.

For example, using PayPal, you can’t buy or sell:

Any firearm, including rifles, shotguns, and handguns, whether they’re for sport and recreation, collectibles, or curio or relic firearms.
Firearm parts, including but not limited to receivers and frames, silencers, and kits designed to modify guns so that they fire automatically. High capacity magazines, multi-burst trigger activators, and camouflaging firearm containers are other items in this category.
Ammunition, including propellants like gunpowder or blank ammunition; ammunition or cartridge cases; and primers, bullets, or propellant powder designed for any firearm.


Good luck trying to get your money back.
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