Tuesday, September 18, 2012

Be Careful of Free Trials and more...

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Be Careful of Free Trials

Be Careful of Free Trials

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I want to teach you more about Free Trials and explain why you should be careful of them. I’m sharing what I’ve learned based on my own experiences and my readers’ experiences. Of course I’d like to hear more of your stories and lessons learned, so please leave a comment!

What’s a Free Trial?  A Free Trial is any product, service, or membership that  is free for a specified period of time and then you are billed at a later date. I strongly discourage you from signing-up for a Free Trial unless it’s for something you plan on purchasing anyways. There are so many things that can go wrong with planning to cancel a Free Trial before you’re billed. Typically your billing information is collected when you sign-up for the Free Trial, but you are not billed until later.

Aren’t Free Trials always called Free Trials?  Free Trials are often disguised under other names. Free trials are also called Free Memberships, Free Products or even Free Samples so it’s important to read everything you can about the offer including the fine print. You are looking for keywords like “automatic renewal”, “automatic shipment” or “cancel at any time” that are used in Free Trials to indicate that you will be billed at a later date.

What’s the purpose of a Free Trial?  To give you a real value. Ask yourself what value you expect to get out of a Free Trial before signing-up for it. Be aware that Free Trials are used to get your attention and entice you to buy something you might not normally buy. Just remember a Free Trial means it’s only free for a set amount of time, eventually you will be billed for it. The best products and services sell themselves and shouldn’t  need a Free Trial offer with automatic billing to help them sell. You don’t want a Free Trial to trick you into buying something you don’t want.

Why does it ask for my credit card?  If you’re asked for your credit card, it might be a free trial. You need to read the Terms of the offer to inderstand why your credit card information is required. Look for when you will be billed and how much you will be billed for.

Can’t I just cancel before I’m billed?  You will be billed and it’s never a good plan to cancel before you’re billed. Free trials can be intentionally difficult to cancel because they can deceive you about the billing date, have customer service that’s unhelpful or nonexistent, or require excessive notification before the date when you want to cancel.

How hard can it be to cancel a Free Trial?  A perfect example of a Free Trial that’s impossible to cancel is when you sign-up for a free magazine. You’re supposed to receive 6 free issues before you are billed and they promise you that you can cancel at any time. What you don’t know is that you might be billed before you even receive that 6th free issue. Or you think you cancelled at the right time but for some strange reason the magazine keeps coming, and they keep sending you a bill, and there’s no customer service phone number…your free trial just turned into an expensive nightmare. I use the term “expensive” not because the monetary cost would likely be high, but because this frustrating scenario has an emotional cost and costs you your time to resolve.

What if I provide a credit card that expires before it will be billed You might think you’re safe by providing a credit card number that will not work when they try to bill you. But the problem is they may still bill you and expect you to pay. In rare cases your nonpayment of this “bill you never intended to pay but couldn’t get cancelled in time” could lead to your account being sent to a collection agency. I know it sounds unlikely but this is a real situation that a few of my readers have dealt with.

When is a Free Trial OK to do?  When you are getting a Free Trial from a trusted retailer that provides excellent customer service and gives you full access to your account and cancellation options. An example from my personal experience is Amazon. I would do a Free Trial with Amazon because I know how to manage my Amazon account and I have positive experiences with Amazon’s customer service. My advice is that it’s better to first have a positive purchase experience with a retailer before you trust them with a Free Trial.

Why are they still asking for my credit card when I’m  not buying anything or signing-up for a Free Trial?  Some retailers require that you have a credit card on file in order to have a free account. It’s not because they are offering you a Free Trial, but because they want to be able to bill you when you do make a purchase. Learn more about the company and read their Privacy Policy before you sign-up for your free account. Test out their customer service by asking them questions. Research by searching for customer reviews and looking at their rating with the Better Business Bureau.

What if my credit card is charged upon sign-up for a Free Trial even though they say it won’t be?  This is a red flag. If they are billing customers when they shouldn’t be, you need to ask yourself why you are buying from a company that is intentionally or accidentally making billing errors. Try to get the mischarge resolved as soon as you notice it.

How do I protect myself?  Always question a Free Trial in order to protect yourself. Know the retailer, read the Terms, and read the Privacy Policy. Remember that if you have problems cancelling a Free Trial you can also request help from your credit card company by disputing charges associated with the Free Trial. If you do fall for a Free Trial and have a negative experience then you should file a report with the Better Business Bureau to warn other consumers.

Please share your positive and negative experiences with Free Trials by leaving a comment below. Do you have more tips on how to spot a Free Trial?

What's Money 4 Mom about? My goal is to encourage life-long learning, teach new ways of earning money, and inspire my blogging community through my own experiences and by sharing tips from my readers.

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Be Careful of Free Trials is a post from: Freebies 4 Mom If you are not reading this in a feed reader or newsletter, it is illegal use.



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Deal $5.32 for Photo Calendar (save $15.99)

VistaprintThe end of this offer just changed, so Tuesday, September 18 is your last day to order a free Photo Calendar from Vistaprint ($15.99 value) and pay shipping only (starts at $5.32 for Priority 7-day service). Think ahead and make this as a gift!

Browse the 299 designs and don’t forget to check what’s in the ‘Kids’ category (look under ‘Personal & Family’). This post contains affiliate links, please visit my Disclosure Policy.
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Free Physicians Formula *starts 1pm CT*

LipglossGet ready to request a free full-size Physicians Formula pH Matchmaker pH Powered Lip Gloss starting at 1:00 pm CT (2pm ET, Noon MT, 11am PT) from their Facebook page for the first 1,000 people. You’ll need to get the secret word announced on their Wall at 1:00 pm CT. Thanks goes to Megs for sharing!
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Free Sample TriCalm Hydrogel

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You can still request a free sample of TriCalm itch, burn and sting relief. You should receive your 0.34 oz. sample within 8 to 10 weeks. I previously posted this sample on June 4 but wanted my new readers know it’s still available to request!

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Free Sample TriCalm Hydrogel is a post from: Freebies 4 Mom If you are not reading this in a feed reader or newsletter, it is illegal use.




Free Green Giant Wristband and Coupon

Green GiantTake the Green Giant pledge and get a free wristband and $0.50 coupon for Green Giant Seasoned Steamers on Facebook for the first 10,000 people. Click on the “Take The Pledge” button to get started and pledge to eat one more vegetable every day for 30 days. If you want the free wristband, you must click the “+” to fill out your mailing address. You should receive your wristband within 6 to 8 weeks. You’ll be able to print two coupons immediately after taking the pledge. Thanks goes to Megs  for sharing!

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Free Green Giant Wristband and Coupon is a post from: Freebies 4 Mom If you are not reading this in a feed reader or newsletter, it is illegal use.




Free Android & iTunes App: Dropbox

dropboxDownload the free Dropbox iTunes app or the free Dropbox Android app from Google Play. Dropbox is a free service that lets you bring all your photos, docs, and videos anywhere. Any file you save to your Dropbox is accessible from all your computers, iPhone, iPad and even the Dropbox website! This post contains affiliate links, please visit my Disclosure Policy.

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Free Pampers Codes for 15 points

Pampers

Earn free rewards by entering free codes at Pampers Gifts to Grow plus new members start with 100 free points. Thanks goes to Savings and Stewardship for sharing.
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TWIT912PT7DN912  (5 points, expires 9/20/12)

SEPTFALL12SPNML  (10 points, expires 9/30/12)

You can earn free rewards just by entering free codes (no purchase necessary). The Shutterfly photo gift rewards still require you to pay shipping, but the free 11×14 collage poster from Shutterfly is only 400 points.

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FreeBox 9/17/12: Swagbucks, Kotex Clutch, Schick

I love using Swagbucks as my search engine because I randomly win “Swagbucks” that I can redeem for t-shirts (like the one in my photo), gift cards, and even Paypal cash. Take a peak into my "FreeBox" (it's my mailbox, but only filled with freebies, coupons and hot deals) and find out how to fill your mailbox with freebies:

FreeBoxFREEBOX CHECK September 17: free Swagbucks T-Shirt (get rewarded for searching), Schick Hydro 5 razor, Kotex Clutch with samples, Post-It Super Sticky Notes sample, free Earrings (from 1SaleADay), Magazines: Better Homes and Gardens, Town & Country, Ladies’ Home Journal, Bridal Guide, SPIN

What did you get in your mailbox today? Please share by leaving a comment on this post, or post a photo on Facebook. I love to hear what you’re getting inside your mailbox! This post may contain affiliate links, please visit my Disclosure Policy.

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Coupons by Mail: P&G Organize In Style

Home Made Simple

Get over $17 in coupons in the Home Made Simple “Organize In Style” Coupon Bookby mail to save on household products from Procter & Gamble (like Cascade, Dawn, Swiffer, Febreze, Mr. Clean). This is a new coupon booklet for Fall with coupons that will expires 12/31/12. You can receive a new coupon booklet from P&G every quarter and there is a wide-variety of product coupons inside. You should receive your coupon book within 4 to 6 weeks.

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Coupon $0.55 off Hormel Pepperoni

PepperoniPrint a coupon to Save $0.55 on Hormel Pepperoni from their website. I’m going to use this coupon to buy Pepperoni Minis because my kids love to take mini pizzas for their lunch at school.

You’ve got one month before your coupon expires and it prints at the top of the page with nothing below it. If you’ve seen Hormel Pepperoni on sale at your store, please leave a comment!

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