photo credit: Jesse757

This is a guest post by Charissa Cowart from eBillme.

The holiday shopping season is within arm’s reach and this is probably the time when most people start swiping those credit cards. If you pay attention to the news at all during the holiday shopping months you’ll hear a lot about saving money this holiday season (especially in this economy) and you’ll unfortunately see people who have unintentionally become victims of identity theft.

Shop Safely Online During Black Friday

And that probably has you wondering, can I shop online and not use a credit card? Or, is it possible to buy online and not become a victim of identity theft? Both are very valid questions.

Well, I want to introduce you to an online payment option that will answer YES! to both questions – eBillme – Secure Cash Payments. Here’s a rundown of how eBillme works.

• When you’re shopping online at one of eBillme’s 800+ Online Stores (like Kmart.com, Sears.com, Buy.com, TigerDirect.com, and more) and you find what you want to buy, simply click through to the checkout section and instead of choosing a credit card, or pay later option, you would choose eBillme in the dropdown menu and continue with the checkout process. (You never have to give the merchant or eBillme your bank account information.)
• You will then get a bill in your email.
• Log in to your online bank and send the amount listed on the bill to eBillme. (When you use eBillme for the first time, you do have to set eBillme up in your online bill pay section, but we have a video here to show you how to set it up.)

Earn Cash Back

Now, here’s the neat part. Not only have you just bought something online using the cash that you have in your bank account – eliminating the need for a credit card –  but you can now begin to earn cash back on every purchase you make!

That’s right, every time you shop online and pay using eBillme, you are eligible for 1% cash back. Once you have earned $10 you can start cashing in on it, or you can wait and let it add up.

And that’s not the only benefit of using eBillme. You also get free buyer protection, which includes Satisfaction Guaranteed, Zero Fraud Liability, and Best Price Guarantee. You can see all the details about these benefits on the eBillme Benefits page on our website.

eBillme offers you the privacy and security of shopping online with the guarantee that you will be 100% happy with your purchase.

If you are working to get out of debt, eBillme is here to help you by offering the option to pay with cash online. But that’s not all; we also offer daily discounts for you to take advantage of in the Debt Free Mall. These include a new Deal of the Day everyday and a weekly giveaway that is free and easy to enter.

The best way to learn about eBillme is to try it out and see if you like it! As I mentioned before Black Friday and Cyber Monday are just around the corner so it’s a great time to make eBillme an addition to your online shopping.

If you have questions check out the FAQ section on our website, there’s sure to be an answer. We hope you are able to use the benefits of eBillme to enhance your online shopping experiences and help you stay away from debt!

Charissa Cowart

This is a guest post by Charissa Cowart from eBillme. You can follow her on Twitter.

Securities offered through LPL Financial, Member FINRA/SIPC.