It’s that time of year again – Valentine’s Day is a time for showing the people closest to you how much you care.
But, it’s also quite a divisive celebration, as research carried out by us recently found that while 33 million Brits will spend the day doe-eyed with their dearest, four million of us consider Valentine’s Day a miserable affair as we’re destined to spend the day alone.
But, for those of you shopping around online for gifts this Valentine’s Day – here’s a few tips to help everything run smoothly!
Make sure to buy from a reputable seller
If you’re buying through big-name retailers, then it will be easy to identify whether or not they are the real deal. But, if you’re buying something especially romantic – like something handmade or rare – from an auction site like eBay, it’s wise to take some extra steps to ensure what you’re buying will actually show up.
For starters, have a look at the seller’s feedback. If they have above 95% feedback with hundreds of sales, you can generally rest assured knowing that they are a legitimate seller. But, it still pays to have a little scroll through comments from other buyers to see if anything out of the ordinary shows up.
If they have lower than 95%, or very little feedback at all, you may want to think about looking elsewhere. Of course, sellers have to start somewhere and some may have little, but positive, feedback. Here it is more difficult, so make sure to read the description thoroughly and don’t hesitate to ask the seller questions about the product before putting a bid in.
See if you can find it cheaper elsewhere
This is the number one rule for shopping online. Many websites will lure you in with enticing looking offers that promise big discounts. However, the reality is many of these discounts are there just to make it look like you’re getting a good deal.
To combat this, always search around to see if you can find the item cheaper elsewhere. Money Saving Expert offer an online shopping bot that scours the internet for the best deal on specific items, which you can find here.
Remember, even if you shop with this retailer all the time, don’t just assume they will automatically be the cheapest, you could save considerably by looking elsewhere.
Benefit from credit card protection
If you’re planning on really treating your other half this Valentine’s Day to a gift that costs over £100, you should be able to benefit from Section 75 of the Consumer Credit Act if you buy it with a credit card.
Section 75 means you’re entitled to a full refund from either the retailer or the credit card company if the item fails to show up, the company goes out of business or your purchase is faulty or broken. So, if you’ve got plans for a big surprise come Valentine’s Day, make sure you’re covered by Section 75! You can benefit from this protection with all UK credit cards, including the Ocean credit card.
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Intelligent Lending Ltd (Credit Broker). Capital One is the exclusive lender.