Payment methods and buyer protection

Down 56 lbs on this journey, but now I'm trying to figure out how people handle payment when ordering, since some methods seem to offer way more recourse than others if something goes wrong. Has anyone here actually had to dispute a charge or deal with a non-delivery, and did the payment type you used make any difference in getting your money back? Curious what most of you consider the safer options versus just rolling the dice.

Congrats on 56, we're basically weight-loss twins at 57 here. I had one order ghost me last year and my credit card company refunded it in about two weeks with zero pushback, so I stopped using anything cash-like entirely after that.Congrats on 56, we're nearly twins at 57 here. I had one order vanish last year and my credit card company reversed it within a couple weeks, no drama, so I stopped using anything cash-like after that.

Congrats on the 56, that's huge. I'm a Victoza user myself and only down 8 lbs so far, but the payment side I learned fast from this community too: I stick to my credit card for everything, and a friend of mine never got a dime back after paying through an app transfer when her order never showed.

16 lbs in here and the card-only rule has served me well too. I did have one order go silent last year and the chargeback through my card issuer actually went through without much hassle, which is exactly the recourse a wire or app transfer never gives you. After 56 lbs I get why you don't want any part of rolling the dice now.

Congratulations on 71, that's incredible work. My only close call was a shipment that never showed, and having it on my credit card meant the dispute got resolved without much drama, so I stopped using anything that can't be reversed.

13 lbs down on reta myself and I've stuck to credit card only after watching a guy in another section lose a couple hundred to a wire. Never had to actually dispute one, but knowing a chargeback is possible is the whole reason I sleep fine ordering. Anything irreversible is a hard no for me.

I'm only about 23 lbs in but I got burned early on with a peer-to-peer transfer and had zero way to claw it back, so now it's card every time. The one delayed shipment I had since then got sorted out fast once I showed the issuer my screenshots and tracking history. No way I'd ever send anything irreversible for this stuff again.

Only 13 lbs in for me so far but I've already picked up the same habit from this sub: card only, nothing that acts like cash. Never had to dispute one myself, but the stories here about Zelle and crypto being unrecoverable were enough to convince me.

19 lbs in myself, and one thing I've learned reading this section: never pay anything you can't reverse. I only use my credit card after a buddy ate a few hundred bucks on an app transfer that went nowhere. The card dispute route has always felt like the only real safety net.

Down 41 myself and I've never needed a dispute, but I keep everything on the card after watching someone in an older thread lose a few hundred to a wire transfer that went nowhere. The reversal option is the whole point for me.

Credit card here too, and the one time a package went missing the dispute process was painless compared to what friends have described with wire apps. I treat anything irreversible like cash, gone once it leaves your account. 56 lbs is serious progress, congrats on that.

I had a non-delivery last year and the chargeback through my credit card was the only reason I got the money back, took about six weeks though. Since then I only order with the card, never Zelle or crypto, learned that lesson the hard way. Congrats on the 56, that's huge.

22 lbs in and I've had one close call where tracking froze for over a week -- opened a dispute with my card issuer just in case and the order actually showed up before it went anywhere. That peace of mind is why I'd never send a wire or Zelle for an order, the money's just gone if it goes sideways. Keep everything on the card and screenshot the listing and confirmation before you pay.

Down 14 myself and still learning the ropes here, but the pattern in these threads is hard to ignore -- everything irreversible like app transfers or wires ends in someone eating the loss, while card charges at least leave a dispute door open. I have not had to fight a charge yet, but I keep all my orders on my card for exactly that reason. Sounds like after 56 lbs you have earned not having to gamble on the payment side too.

Congrats on 34 lbs and asking this before something goes wrong, that's smarter than I was. My only sketchy order was early on and I paid through an app transfer -- zero recourse, ate the loss, lesson learned. Everything since has been card only and I screenshot the order confirmation and tracking every time, one delayed shipment got resolved purely because I had that paper trail when I called my card issuer.

Down 48 lbs on Wegovy and I'm in the card-only camp too. Never had a full non-delivery, but a delayed order last year had me ready to dispute and just knowing that option existed made the wait bearable. Anything irreversible like Zelle or crypto is an instant skip for me.

Congrats on the 56, that's a big milestone. I've been lucky enough to never test a dispute myself, but reading threads like that wire transfer story here is exactly why everything I order goes on my credit card. Getting my money back seems way more likely with a reversal option than hoping an app transfer works out.

Only a few months in myself but I learned the same way -- sent money through an app once and when the package never showed there was literally nothing I could do. Card with screenshots of the order page has been my setup since, and it's reassuring that others here had delayed orders fixed just by having that trail. Grats on 56 by the way, that's a serious drop.

Lost about 20 myself so far, and my one rule after a rough start is anything reversible only. I had a card charge for an order that went sideways and the issuer actually sided with me once I sent them the confirmation email, so I'm a believer in keeping every receipt. Peer transfers felt convenient at first but there's no undo button on those.

56 lbs is incredible, congrats. Similar story here -- a gift-app transfer vanished once and that was the last time I touched anything reversible-challenged. Everything I've done since has been on the card, and keeping the order confirmation email handy made the one hiccup I had painless to sort out.