People making rude comments when making small purchases on a CC?
Jul 7, 2008, 1:02 pm
#46
Join Date: Apr 2007
Posts: 85
The majority of non chain merchants pay the following fees:
$10.00 per month
$0.25 per transaction for Visa and Mastercard
$0.35 per transaction for American Express and Discover
1.9% for a standard Visa or Master card
3% for a keyed transaction or American Express
4% for a corporate or rewards credit card
$10.00 per month
$0.25 per transaction for Visa and Mastercard
$0.35 per transaction for American Express and Discover
1.9% for a standard Visa or Master card
3% for a keyed transaction or American Express
4% for a corporate or rewards credit card
Jul 7, 2008, 5:58 pm
#47
Join Date: Dec 2006
Location: USA
Posts: 3,945
Here is the site that lists different credit card abuses and how to complaint:
http://www.gofso.com/Premium/LE/06_l...merchants.html
http://www.gofso.com/Premium/LE/06_l...merchants.html
Jul 7, 2008, 9:08 pm
#48
Join Date: Jan 2008
Location: NYC
Programs: LH HON Circle, Premier M&M World MC, UA MP
Posts: 389
Here is the site that lists different credit card abuses and how to complaint:
http://www.gofso.com/Premium/LE/06_l...merchants.html
http://www.gofso.com/Premium/LE/06_l...merchants.html
WHAT? They can't ask for a driver's license when I spend 5k in Bergdorf Goodman? I mean, they don't anymore because I work with the personal shopper there, but when I go to Hermés, they've asked to see my driver's license as I rarely go there and I'll drop a lot of money in one trip...
Jul 8, 2008, 6:05 am
#50
Join Date: Jan 2008
Location: NYC
Programs: LH HON Circle, Premier M&M World MC, UA MP
Posts: 389
I mean I've never run into it when I spend under 100, but if I'm spending thousands, I can understand them wanting to see my ID because they want to prevent fraud (everybody is hurt by fraud).
Jul 8, 2008, 7:12 am
#51
Join Date: Dec 2006
Location: USA
Posts: 3,945
There was a long thread about this last year. No you do not have to show an ID when making a purchase with a credit card. As well as you are not required to carry a drivers license when you are not driving. I had refused every single request from a merchant to show and ID and had never been declined a transaction yet. Sometimes it just took few minutes waiting for a manager. The only thing a merchant has to do is to verify your signature.
Jul 8, 2008, 10:11 am
#52
Join Date: Jan 2008
Location: NYC
Programs: LH HON Circle, Premier M&M World MC, UA MP
Posts: 389
There was a long thread about this last year. No you do not have to show an ID when making a purchase with a credit card. As well as you are not required to carry a drivers license when you are not driving. I had refused every single request from a merchant to show and ID and had never been declined a transaction yet. Sometimes it just took few minutes waiting for a manager. The only thing a merchant has to do is to verify your signature.
I want to give this a try.
Jul 8, 2008, 10:23 am
#53
Join Date: Oct 2004
Location: DFW
Posts: 8,036
WHAT? They can't ask for a driver's license when I spend 5k in Bergdorf Goodman? I mean, they don't anymore because I work with the personal shopper there, but when I go to Hermés, they've asked to see my driver's license as I rarely go there and I'll drop a lot of money in one trip...
...and no, they aren't supposed to ask for your license, regardless of if it is Hermés or Wal-Mart.
Jul 8, 2008, 10:26 am
#54
Join Date: Jan 2008
Location: NYC
Programs: LH HON Circle, Premier M&M World MC, UA MP
Posts: 389
You know there's a big difference between buying something at Wal*Mart and buying something at Hermés. They don't compare - and I'd assume they are taking on a risk by not asking for ID as CC's are easily stolen.
Jul 8, 2008, 1:47 pm
#55
Join Date: Jul 2005
Location: NJ/NYC
Programs: AA EXP/LT Plat, SPG Plat/LT Plat, HHonors Gold, Hyatt Plat, IHG Plat, MR Silver
Posts: 2,786
Understanding that CC fees can eat into profits, especially at low-margin Mom and Pops, I do the following:
Mom & Pops: Purchases < $10 are made with cash and > $10 with credit
Chains: Credit card whenever they'll take it, preferably AMEX
No one has ever made a comment even when charging a single donut or ice cream cone. I charge a single greeting card on a regular basis, no comments there either.
Mom & Pops: Purchases < $10 are made with cash and > $10 with credit
Chains: Credit card whenever they'll take it, preferably AMEX
No one has ever made a comment even when charging a single donut or ice cream cone. I charge a single greeting card on a regular basis, no comments there either.
Jul 8, 2008, 2:00 pm
#56
FlyerTalk Evangelist
Join Date: Jun 2008
Location: Rural TN (but WAS native)
Programs: National Executive Elite, none of the others matter
Posts: 23,823
This form of cashier mis-training comes in waves - it used to be clerks asking customers for their SSNs on checks, then phone numbers on checks . . .
Jul 8, 2008, 2:17 pm
#57
Join Date: Oct 2004
Location: DFW
Posts: 8,036
Of course the establishments are on opposite ends of the spectrum, but for the sake of this conversation it is irrelevant. A charge is a charge, regardless of the store in which is it being made. IIRC, the store does not take on a risk by not asking for ID on a purchase. As long as they process the transaction in accordance with the merchant agreement then the CC company takes the loss in the case of a stolen card.
Jul 8, 2008, 3:06 pm
#58
Join Date: Nov 2007
Programs: Marriott Bonvoy Platinum, Hilton Honors Diamond, Delta Gold
Posts: 4,347
I was just in The Childrens Place today which is a national chain and while browsing the associate at the register kept announcing that for all those people paying with credit card ID would be required. I was not buying anything, but after having just read this thread this morning, I was tempted to put her to the test - however, the line was at least 15-20 deep and I wasn't going to waste my time. I really wonder what she would've done had I refused to show ID.
Jul 8, 2008, 3:37 pm
#59
Suspended
Join Date: Sep 2004
Location: USA
Programs: UA/CO(1K-PLT), AA(PLT), QR, EK, Marriott(PLT), Hilton(DMND)
Posts: 9,538
Here is the site that lists different credit card abuses and how to complaint:
http://www.gofso.com/Premium/LE/06_l...merchants.html
http://www.gofso.com/Premium/LE/06_l...merchants.html
Jul 8, 2008, 3:56 pm
#60
Join Date: Jun 2006
Location: Lahaina, Hawai'i
Programs: HA Pua. Platinum WP, PR, QF, UA, AA, DL, NW Prince Preferred
Posts: 4,786
My local Indian sweetmeat shop has a $10 minimum purchase for cc's. I happened to have a little time on my hands to make a point this afternoon so I tried to pay for my $6 purchase with a credit card. The shop owner refused and told me he would be happy to accept my card if I bought another $4 worth of food. He wasn't happy when I told him he was infringing on Visa's T&C's. He started complaining about the fees and just as I was about to relent he offered a compromise. @:-) "If you pay cash, I give you extra samosa". ^ "Done!"