... your purchase is less than $5.00. They called it a service charge.
I wouldn't think this is legal.
QUOTE(jvf4812 @ Feb 20 2006, 11:00 AM) 
... your purchase is less than $5.00. They called it a service charge.
I wouldn't think this is legal.
I wouldn't think this is legal.
CREDIT CARD VIOLATION
NO ID ON A SIGNED CREDIT CARD
NO MINIMUM CHARGE
NO MAXIMUM TO CHARGE
NO FEE TO USE A CREDIT CARD
NO MINIMUM CHARGE
NO MAXIMUM TO CHARGE
NO FEE TO USE A CREDIT CARD
QUOTE(jvf4812 @ Feb 20 2006, 12:00 PM)
... your purchase is less than $5.00. They called it a service charge.
I wouldn't think this is legal.
I wouldn't think this is legal.
Most states it is legal, some states it's not. Regardless, it is a violation of credit card company policy. Well, ummm... most credit cards.
REPORT THE BUSINESS
You probably will get the food for FREE...and your $0.20
You probably will get the food for FREE...and your $0.20
QUOTE(GEORGE @ Feb 20 2006, 12:20 PM)
REPORT THE BUSINESS
You probably will get the food for FREE...and your $0.20
You probably will get the food for FREE...and your $0.20
easy dispute to win
Tell them that they aren't allowed to charge that fee. If they do it anyway, dispute the charge.
I (AND OTHERS) TURNED IN SUBWAY IN THE MALL FOR ASKING FOR ID ON A SIGNED CREDIT CARD
THEY DIDN'T EVEN LOOK TO SEE THAT IT WAS SIGNED!!!
THEY GOT IN BIG TROUBLE BY SUBWAY CORPORATE SO THEY MUST HAVE BEEN FINED
THEY DIDN'T EVEN LOOK TO SEE THAT IT WAS SIGNED!!!
THEY GOT IN BIG TROUBLE BY SUBWAY CORPORATE SO THEY MUST HAVE BEEN FINED
QUOTE(GEORGE @ Feb 20 2006, 02:20 PM)
REPORT THE BUSINESS
You probably will get the food for FREE...and your $0.20
You probably will get the food for FREE...and your $0.20
Yup...CHARGEBACK CITY!!!
QUOTE(playthecreditgame @ Feb 20 2006, 02:07 PM)
QUOTE(jvf4812 @ Feb 20 2006, 12:00 PM)
... your purchase is less than $5.00. They called it a service charge.
I wouldn't think this is legal.
Most states it is legal, some states it's not. Regardless, it is a violation of credit card company policy. Well, ummm... most credit cards.
It's illegal in Florida.
QUOTE(TampaDude @ Apr 4 2006, 08:32 AM)
QUOTE(playthecreditgame @ Feb 20 2006, 02:07 PM)
QUOTE(jvf4812 @ Feb 20 2006, 12:00 PM)
... your purchase is less than $5.00. They called it a service charge.
I wouldn't think this is legal.
Most states it is legal, some states it's not. Regardless, it is a violation of credit card company policy. Well, ummm... most credit cards.
It's illegal in Florida.
California, also, plus a handful of others that I can't remember off the top of my head. There's a list of them floating around here somewhere.
QUOTE(TampaDude @ Apr 4 2006, 09:31 AM)
QUOTE(GEORGE @ Feb 20 2006, 02:20 PM)
REPORT THE BUSINESS
You probably will get the food for FREE...and your $0.20
Yup...CHARGEBACK CITY!!!
Unless the OP was using a Discover Card.
QUOTE(playthecreditgame @ Apr 4 2006, 08:46 AM)
QUOTE(TampaDude @ Apr 4 2006, 08:32 AM)
QUOTE(playthecreditgame @ Feb 20 2006, 02:07 PM)
QUOTE(jvf4812 @ Feb 20 2006, 12:00 PM)
... your purchase is less than $5.00. They called it a service charge.
I wouldn't think this is legal.
Most states it is legal, some states it's not. Regardless, it is a violation of credit card company policy. Well, ummm... most credit cards.
It's illegal in Florida.
California, also, plus a handful of others that I can't remember off the top of my head. There's a list of them floating around here somewhere.
Illegal in Florida as in, Its a crime?
QUOTE(Flicewadder @ Apr 4 2006, 05:28 PM)
QUOTE(playthecreditgame @ Apr 4 2006, 08:46 AM)
QUOTE(TampaDude @ Apr 4 2006, 08:32 AM)
QUOTE(playthecreditgame @ Feb 20 2006, 02:07 PM)
QUOTE(jvf4812 @ Feb 20 2006, 12:00 PM)
... your purchase is less than $5.00. They called it a service charge.
I wouldn't think this is legal.
Most states it is legal, some states it's not. Regardless, it is a violation of credit card company policy. Well, ummm... most credit cards.
It's illegal in Florida.
California, also, plus a handful of others that I can't remember off the top of my head. There's a list of them floating around here somewhere.
Illegal in Florida as in, Its a crime?
Yup...it is a crime in Florida...it's a violation of section 501.0117 of the Florida Statutes...
QUOTE
501.0117 Credit cards; transactions in which seller or lessor prohibited from imposing surcharge; penalty.--
(1) A seller or lessor in a sales or lease transaction may not impose a surcharge on the buyer or lessee for electing to use a credit card in lieu of payment by cash, check, or similar means, if the seller or lessor accepts payment by credit card. A surcharge is any additional amount imposed at the time of a sale or lease transaction by the seller or lessor that increases the charge to the buyer or lessee for the privilege of using a credit card to make payment. Charges imposed pursuant to approved state or federal tariffs are not considered to be a surcharge, and charges made under such tariffs are exempt from this section. The term "credit card" includes those cards for which unpaid balances are payable on demand. This section does not apply to the offering of a discount for the purpose of inducing payment by cash, check, or other means not involving the use of a credit card, if the discount is offered to all prospective customers.
(2) A person who violates the provisions of subsection (1) is guilty of a misdemeanor of the second degree, punishable as provided in s. 775.082 or s. 775.083.
(1) A seller or lessor in a sales or lease transaction may not impose a surcharge on the buyer or lessee for electing to use a credit card in lieu of payment by cash, check, or similar means, if the seller or lessor accepts payment by credit card. A surcharge is any additional amount imposed at the time of a sale or lease transaction by the seller or lessor that increases the charge to the buyer or lessee for the privilege of using a credit card to make payment. Charges imposed pursuant to approved state or federal tariffs are not considered to be a surcharge, and charges made under such tariffs are exempt from this section. The term "credit card" includes those cards for which unpaid balances are payable on demand. This section does not apply to the offering of a discount for the purpose of inducing payment by cash, check, or other means not involving the use of a credit card, if the discount is offered to all prospective customers.
(2) A person who violates the provisions of subsection (1) is guilty of a misdemeanor of the second degree, punishable as provided in s. 775.082 or s. 775.083.
Violation of the statute carries a fine of up to $500 per offense.
QUOTE(TampaDude @ Apr 5 2006, 02:01 PM)
QUOTE(Flicewadder @ Apr 4 2006, 05:28 PM)
QUOTE(playthecreditgame @ Apr 4 2006, 08:46 AM)
QUOTE(TampaDude @ Apr 4 2006, 08:32 AM)
QUOTE(playthecreditgame @ Feb 20 2006, 02:07 PM)
QUOTE(jvf4812 @ Feb 20 2006, 12:00 PM)
... your purchase is less than $5.00. They called it a service charge.
I wouldn't think this is legal.
Most states it is legal, some states it's not. Regardless, it is a violation of credit card company policy. Well, ummm... most credit cards.
It's illegal in Florida.
California, also, plus a handful of others that I can't remember off the top of my head. There's a list of them floating around here somewhere.
Illegal in Florida as in, Its a crime?
Yup...it is a crime in Florida...it's a violation of section 501.0117 of the Florida Statutes...
QUOTE
501.0117 Credit cards; transactions in which seller or lessor prohibited from imposing surcharge; penalty.--
(1) A seller or lessor in a sales or lease transaction may not impose a surcharge on the buyer or lessee for electing to use a credit card in lieu of payment by cash, check, or similar means, if the seller or lessor accepts payment by credit card. A surcharge is any additional amount imposed at the time of a sale or lease transaction by the seller or lessor that increases the charge to the buyer or lessee for the privilege of using a credit card to make payment. Charges imposed pursuant to approved state or federal tariffs are not considered to be a surcharge, and charges made under such tariffs are exempt from this section. The term "credit card" includes those cards for which unpaid balances are payable on demand. This section does not apply to the offering of a discount for the purpose of inducing payment by cash, check, or other means not involving the use of a credit card, if the discount is offered to all prospective customers.
(2) A person who violates the provisions of subsection (1) is guilty of a misdemeanor of the second degree, punishable as provided in s. 775.082 or s. 775.083.
(1) A seller or lessor in a sales or lease transaction may not impose a surcharge on the buyer or lessee for electing to use a credit card in lieu of payment by cash, check, or similar means, if the seller or lessor accepts payment by credit card. A surcharge is any additional amount imposed at the time of a sale or lease transaction by the seller or lessor that increases the charge to the buyer or lessee for the privilege of using a credit card to make payment. Charges imposed pursuant to approved state or federal tariffs are not considered to be a surcharge, and charges made under such tariffs are exempt from this section. The term "credit card" includes those cards for which unpaid balances are payable on demand. This section does not apply to the offering of a discount for the purpose of inducing payment by cash, check, or other means not involving the use of a credit card, if the discount is offered to all prospective customers.
(2) A person who violates the provisions of subsection (1) is guilty of a misdemeanor of the second degree, punishable as provided in s. 775.082 or s. 775.083.
Violation of the statute carries a fine of up to $500 per offense.
Wow, thats a new one on me. Thanks for the info TampaDude. Ya learn something everyday.
QUOTE(Flicewadder @ Apr 5 2006, 10:22 PM)
Wow, thats a new one on me. Thanks for the info TampaDude. Ya learn something everyday.
Yup...that's why I love CB!
my dry cleaner is always claiming my orders are too small for CC payment. i tell him to go ahead and up the amount to what he says is his minimum dollar amount. then i call the CC copmpany to dispute the upcharge (but not the actual charge for dry cleaning). each time, the CC comps me the entire amount.
now when i try to pay with CC, he adds the amount to my next order so i pay for several orders at once.
now when i try to pay with CC, he adds the amount to my next order so i pay for several orders at once.
QUOTE(auto90403 @ Apr 6 2006, 12:10 PM)
my dry cleaner is always claiming my orders are too small for CC payment. i tell him to go ahead and up the amount to what he says is his minimum dollar amount. then i call the CC copmpany to dispute the upcharge (but not the actual charge for dry cleaning). each time, the CC comps me the entire amount.
now when i try to pay with CC, he adds the amount to my next order so i pay for several orders at once.
now when i try to pay with CC, he adds the amount to my next order so i pay for several orders at once.
That's the way to do business. Instead of whining because the big places have it so much easier, you take a problem and create a solution that works for everyone. I doubt if you mind not paying for your cleaning until next time, and your cleaner saves on processing fees. Win-win!
Our Taco Bell added $0.79 to my order without even telling me. Next time when I drove through it said they charge this for ATM cards, but I paid with a CC. I didn't have time to argue, but I will not go there again 
QUOTE(movingup @ Apr 22 2006, 10:29 AM)
Our Taco Bell added $0.79 to my order without even telling me. Next time when I drove through it said they charge this for ATM cards, but I paid with a CC. I didn't have time to argue, but I will not go there again
Its amazing that they charge at all for debit card transactions. The increased revenues for getting more sales way outweighs the cost of the charge they receive for processing a debit transaction. Pretty much the whole $0.79 was pure profit.
I never use debit... always credit so it goes via the VISA network.
QUOTE(movingup @ Apr 22 2006, 11:29 AM)
Our Taco Bell added $0.79 to my order without even telling me. Next time when I drove through it said they charge this for ATM cards, but I paid with a CC. I didn't have time to argue, but I will not go there again
DISPUTE IT WITH VISA and/or THE CREDIT CARD ISSUER
YOU WILL GET THE FEE BACK...YOU "MAY" GET THE FOOD FREE TOO
QUOTE(BBQ123 @ Apr 22 2006, 01:32 PM)
I never use debit... always credit so it goes via the VISA network.
start free plug----
I also only use my debit card as credit - I joined BofA's keep the change program. They round up to the nearest dollar on the transaction and that goes to savings. Right now they're matching the amounts up to a cumlative total of $250! Basically free money!
end free plug
If you have BofA checking/savings, its a pretty good deal.
QUOTE(Spell @ Apr 22 2006, 01:59 PM)
QUOTE(movingup @ Apr 22 2006, 10:29 AM)
Our Taco Bell added $0.79 to my order without even telling me. Next time when I drove through it said they charge this for ATM cards, but I paid with a CC. I didn't have time to argue, but I will not go there again
Its amazing that they charge at all for debit card transactions. The increased revenues for getting more sales way outweighs the cost of the charge they receive for processing a debit transaction. Pretty much the whole $0.79 was pure profit.
It's my understanding that many of the debit surcharges are actually from the third-party company that owns and maintains the machine. For the business, it's a win-win. They get their normal cash sales, and they get more sales from the people who use the debit card (there are plenty of people who will pay these fees without giving it a second thought). And, they don't have to pay to maintain the network. It's literally a zero-cost for them. From their standpoint it's great... increased sales and zero cost.
QUOTE(movingup @ Apr 22 2006, 10:29 AM)
Our Taco Bell added $0.79 to my order without even telling me. Next time when I drove through it said they charge this for ATM cards, but I paid with a CC. I didn't have time to argue, but I will not go there again
Have not been to taco bell in a long time. They only take ATM (which they seem very proud of), and I would guess there's a surcharge.
Taco Del Mar, on the other hand, takes CCs and has better food. Win win, for everyone except taco bell.
QUOTE(lbjones @ May 19 2006, 02:19 AM)
QUOTE(movingup @ Apr 22 2006, 10:29 AM)
Our Taco Bell added $0.79 to my order without even telling me. Next time when I drove through it said they charge this for ATM cards, but I paid with a CC. I didn't have time to argue, but I will not go there again
Have not been to taco bell in a long time. They only take ATM (which they seem very proud of), and I would guess there's a surcharge.
Taco Del Mar, on the other hand, takes CCs and has better food. Win win, for everyone except taco bell.
Every taco bell I have been too takes Visa/MC/AmEx/Discover and some take debit/ATM as well...
Never been surcharged... though they are allowed to surcharge for debit... but if they do it on credit file chargeback,
QUOTE(BBQ123 @ May 18 2006, 11:35 PM)
Every taco bell I have been too takes Visa/MC/AmEx/Discover and some take debit/ATM as well...
Never been surcharged... though they are allowed to surcharge for debit... but if they do it on credit file chargeback,
Never been surcharged... though they are allowed to surcharge for debit... but if they do it on credit file chargeback,
It's gotta be regional, or else related to who runs the franchises around here. About 6mo ago they started taking ATM, with big banners out front saying "NOW ACCEPTING DEBIT CARDS!".
QUOTE(lbjones @ May 19 2006, 01:39 AM)
It's gotta be regional, or else related to who runs the franchises around here. About 6mo ago they started taking ATM, with big banners out front saying "NOW ACCEPTING DEBIT CARDS!".
I think it also depends on if they're franchise or corporate.
All corporate McDonalds, Burger King, Wendy's, and Taco Bell take at least Visa/MC/AmEx/Discover and also may take debit/ATM.
Most franchises take Visa/MC/AmEx/Discover too, some only take Visa/MC, and I guess some only take debit.
The fast food companies ought to change their franchiseee contract to require them to do certain things (like special promotions, CC acceptance)
Most franchises take Visa/MC/AmEx/Discover too, some only take Visa/MC, and I guess some only take debit.
The fast food companies ought to change their franchiseee contract to require them to do certain things (like special promotions, CC acceptance)
QUOTE(BBQ123 @ May 19 2006, 03:10 PM)
The fast food companies ought to change their franchiseee contract to require them to do certain things (like special promotions, CC acceptance)
It is better for the consumer to have continuity from place to place. I know I like that. But, at the same time they run the risk of backlash from their franchisees if they put too many rules in place. If you read up on it, too many rules and restrictions is a big part of why places like Dairy Queen and A&W never grew as much as they could have. Not credit card rules specifically, but the concept is valid across the board.
QUOTE(TampaDude @ Apr 5 2006, 10:54 PM)
QUOTE(Flicewadder @ Apr 5 2006, 10:22 PM)
Wow, thats a new one on me. Thanks for the info TampaDude. Ya learn something everyday.
Yup...that's why I love CB!
Hey thanks tampa Dude.... im here in tampa myself... im going to have to memorize that! haha
im loving this site for more reasons now!
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