In addition, I would like to thank you for taking a very amusing and funny commercial, and making it a complete pain in my ass.

(After I was done laughing, I began to wonder why a company like Visa would even create a commercial promoting online buying?)

They are not promoting online buying!

You’ve expressed your concerns and given everyone fair warning, “use a actual credit card, not a debit card”.

Thanks for that. But I’d like to get back to laughing at the MC Hammer dude.

Again, The commerical has nothing to do with the growth of Internet purchases other then saying we want you to switch from using our credit card to your/our unprotected debit cards when making a purchases on the Internet. This way the credit card company is not responsible if the debit card is comprmised.

I’m just going to laugh at a great commercial.

Since VISA is promoting the use of VISA debit, who is this good for.

1. The consumer
2. VISA

Lets stop and think about that for a minute.

Most consumers will think the commercial implies your debit card is safe to use over the Internet and will suddenly start using them. Who then carries the biggest risk if you use a debit card over the Internet, VISA or the consumer?

Of course, it is the consumer; someone can wipe out your bank account if you use a debit card that is attached to your personal account over the computer if his or her computer is compromised or another system in the link is compromised.

Granted the commercial has nothing to do with you using your personal debit card attached to your checking account. Again will consumers understand this, the vast majority no, as the commercial implies debit cards are safe.

Now, the commercial does have everything to do with going and dumping money onto a separate debit card then going to the Internet to make the purchase. Humm, I wonder why they want you to take these additional steps if everything is so secure. Say you want to buy something for $100.00 on the Internet and have placed $150.00 on this separate debit card or say you have $500.00 on it. If the system is compromised the most you will lose is say $50.00-$450.00 but it is still your money not Visa’s and that is the key to the commercial. They are turning the risk for the Internet purchase over to you. They are now teaching you NOT to use there VISA credit card over the Internet which is very smart on there part as they have lost millions to this.

I wonder how many consumers will understand that, not many I suspect.

The purpose of the commercial is to use a debit card to avoid risk of VISA’s money not yours, they could care less what you lose. They are tired of there credit cards being compromised by consumers and others not having there computers secure.

This all leads one to wonder how secure the Internet really is today, when a company like VISA is starting to spend millions on prime time commercials trying to limit there risk from consumers using the VISA credit cards over the Internet.

But I have to say the commerical is good and doing its job.