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Old 09-21-2020, 06:45 PM
 
522 posts, read 1,239,159 times
Reputation: 366

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Quote:
Originally Posted by LI7788 View Post
I know this started at some point last year and I'm curious about something. Based on people I've spoken to and much research online, it appears that these "surcharges" for when you now pay with a card only apply to CREDIT cards and it is simply not allowed with debit cards.

I went to a local pizzeria today and got two slices and before paying with my DEBIT card I informed the guy a surcharge was not legal. He claimed I was "wrong" and it's "just for all cards". Can anyone out there clarify? There are articles all over the internet noting how these fees/surcharges are only for credit.

His merchant agreement may charge him the fee regardless of Debit or Credit. Any swipe with a DEBIT card where you don't enter your pin is treated as a credit swipe at the credit merchant rate.

I take credit cards and I am sure a ton of my buyers use debit cards to buy. I have no way of knowing what was debit and what was credit.
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Old 09-21-2020, 07:32 PM
 
252 posts, read 115,138 times
Reputation: 206
Quote:
Originally Posted by Spanky25 View Post
Yet again, another “Fee”. Just like the 10% “COVID Surcharge” at NYC restaurants.
-credit card surcharge
-covid dining surcharge
-regular tip

May as well take out a small loan to eat out in NYC these days
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Old 09-21-2020, 08:09 PM
 
2,279 posts, read 3,506,167 times
Reputation: 1677
Quote:
Originally Posted by LI7788 View Post
-credit card surcharge
-covid dining surcharge
-regular tip

May as well take out a small loan to eat out in NYC these days
Forgot the rental or purchase of the bullet proof vest that will be needed too, lol.
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Old 09-22-2020, 03:25 AM
 
9,978 posts, read 5,360,301 times
Reputation: 21207
Quote:
Originally Posted by LI7788 View Post
I know this started at some point last year and I'm curious about something. Based on people I've spoken to and much research online, it appears that these "surcharges" for when you now pay with a card only apply to CREDIT cards and it is simply not allowed with debit cards.

I went to a local pizzeria today and got two slices and before paying with my DEBIT card I informed the guy a surcharge was not legal. He claimed I was "wrong" and it's "just for all cards". Can anyone out there clarify? There are articles all over the internet noting how these fees/surcharges are only for credit.
If you were sure enough to tell a guy what he was doing was illegal to save less than a quarter you should be able to support that contention with documentation and since you've brought your campaign here you might as well post your proof here as well. The burden of proof is yours.

Or just pay cash next time, you're holding up the line.
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Old 09-22-2020, 07:37 PM
 
252 posts, read 115,138 times
Reputation: 206
Quote:
Originally Posted by kokonutty View Post
If you were sure enough to tell a guy what he was doing was illegal to save less than a quarter you should be able to support that contention with documentation and since you've brought your campaign here you might as well post your proof here as well. The burden of proof is yours.

Or just pay cash next time, you're holding up the line.
You don't get it, and that's ok. For a single guy with one salary just getting by like myself who's quickly realizing New York State is designed to take every last DIME from me(/us), I do.
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Old 09-22-2020, 07:47 PM
 
1,495 posts, read 2,687,790 times
Reputation: 1150
Quote:
Originally Posted by LI7788 View Post
You don't get it, and that's ok. For a single guy with one salary just getting by like myself who's quickly realizing New York State is designed to take every last DIME from me(/us), I do.
I'm with this guy. It ain't about eighteen cents, it's about the three percent. Last week I bought a small potted tree at a local florist. Another four dollars for using my credit card. My mechanic told me he has to start charging the fee. If I spend five hundred dollars there (not uncommon) , it's another fifteen bucks. I usually don't carry around that much cash these days, everything on the credit card.. At the end of the year it's a few hundred dollars more, and will be worse if more merchants charge it.
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Old 09-23-2020, 12:50 AM
 
9,978 posts, read 5,360,301 times
Reputation: 21207
Quote:
Originally Posted by LI7788 View Post
You don't get it, and that's ok. For a single guy with one salary just getting by like myself who's quickly realizing New York State is designed to take every last DIME from me(/us), I do.
For a single guy with one salary just getting by why not just pay cash if the two dimes is going to ruin your life? No fees involved. And if you're looking for something to complain about to make you feel better, try to decide upfront if you're pissed at the pizza guy, his credit card company or the State of New York. What does New York have to do with your complaint anyway?

And what does being single have to do with it? If you're looking to find a woman, complaining about pocket change is not apt to impress your audience.

You see, I do get it - you still have not been able to support your claim that adding the fee is illegal and you'd rather tell others that they don't get it than to go out and get it yourself.
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Old 09-23-2020, 06:26 AM
 
Location: Former LI'er Now Rehoboth Beach, DE
10,303 posts, read 13,014,318 times
Reputation: 10707
Quote:
Originally Posted by lifetimeliguy View Post
I'm with this guy. It ain't about eighteen cents, it's about the three percent. Last week I bought a small potted tree at a local florist. Another four dollars for using my credit card. My mechanic told me he has to start charging the fee. If I spend five hundred dollars there (not uncommon) , it's another fifteen bucks. I usually don't carry around that much cash these days, everything on the credit card.. At the end of the year it's a few hundred dollars more, and will be worse if more merchants charge it.
I have two suggestions for you. One if he knows you as a good customer, why not ask him if you can pay by check? I know checks are so "yesterday", but at least you won't pay a fee to use them. The alternative is to call ahead and get the number you will be charged for the service and get cash.

Realistically speaking, the merchant is already paying around 2-3% to offer you the use of the card to being with, so you can't blame him for not absorbing the additional expense. Sure, an argument can be made that they are already charging you for that already, as it is included in the final number you owe. Would you want them to charge you another 3% that they hide in your final number?
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Old 09-23-2020, 08:08 AM
 
388 posts, read 128,421 times
Reputation: 668
Quote:
Originally Posted by lifetimeliguy View Post
I'm with this guy. It ain't about eighteen cents, it's about the three percent. Last week I bought a small potted tree at a local florist. Another four dollars for using my credit card. My mechanic told me he has to start charging the fee. If I spend five hundred dollars there (not uncommon) , it's another fifteen bucks. I usually don't carry around that much cash these days, everything on the credit card.. At the end of the year it's a few hundred dollars more, and will be worse if more merchants charge it.
Pay cash then. If you don’t have the cash and need to put it on the card and worried about the few dollars in fees is the last thing you should worry about. It’s the 10-27 percent interest your paying each month on it. Your tree that’s 103 dollar will turn into 150 in a few months.
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Old 09-23-2020, 04:37 PM
 
Location: Long Island
8,786 posts, read 3,970,573 times
Reputation: 6373
Quote:
Originally Posted by Spanky25 View Post
Forgot the rental or purchase of the bullet proof vest that will be needed too, lol.
What a drama queen. Turn off Fox News.
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