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If there’s even a slight chance you might return an item, don’t pay for it in cash. “Use a credit or debit card. It creates an electronic record of a payment, and it may make it possible to track your purchase if you lose the receipt,” says Omar Jackson, a department manager for Lowe’s in Garden City, New York. For e-commerce payments, PayPal offers similar protection, according to Constance White, style director for eBay. Some retailers can also track purchases with various computerized customer-profile systems by using a customer’s name and address or scanning tickets on the merchandise.

(Photo: Boyle + Gardner)

The opinions expressed are solely those of the author and do not necessarily reflect the views of Comcast.

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