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POLITICAL POSTS WILL GET YOU BANNED

VISA MC policies

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Complaints, discussions and rants regarding perceived merchant violations of CCC policy

973 topics in this forum

  1. Pinned topics

  2. Info on reporting violations

    By Continental,
    • 14 replies
    • 10,156 views
  3. Other topics

  5. The debate about ID and credit card security, See ID, signatures, etc

    By Guest,
    • 23 replies
    • 1,716 views

  6. Potential Fraud - Bank's Responsibility?

    By ellentk,
    • 4 replies
    • 643 views

  7. Is target debit card visa or mastercard?

    By xuhu55,
    • 6 replies
    • 875 views

  8. Should You Sign the Back of Your Credit Card?

    By hegemony,
    • 54 replies
    • 6,336 views

  9. WHY DO YOU WANT TO SHOW ID???

    By GEORGE,
    • 42 replies
    • 3,778 views

  10. REPORTING MERCHANT VIOLATIONS

    By BBQ123,
    • 132 replies
    • 59,380 views

  11. Why doesn't wal-mart just stop taking signature based debit cards instead of suing Visa?

    By groze,
    • 3 replies
    • 927 views

  12. Chase freedom reconsider me

    By frenchy69,
    • 10 replies
    • 1,197 views

  13. What do you do when store policy is they ask for ID?

    By Guest,
    • 53 replies
    • 8,361 views

  14. Chase freedom got declined

    By frenchy69,
    • 14 replies
    • 1,102 views

  15. Smog check subprime merchant accepted my $100 subprime bill instead of a credit card!!!!

    By hegemony,
    • 4 replies
    • 1,913 views

  16. Gas station won't accept out of town CC's

    By ElGringo,
    • 7 replies
    • 22,132 views

  17. Customers Illegally Charged For Credit Card Use in Florida.

    By webworm98,
    • 2 replies
    • 1,342 views

  18. ID For Debit Card Too!

    By waterlili,
    • 3 replies
    • 1,023 views

  19. Home Depot tried to keep my credit card

    By mechanicworkman,
    • 18 replies
    • 2,187 views

  20. A new wave of stores requiring ID for credit transactions

    By Medion,
    • 0 replies
    • 1,434 views

  21. US VISA cards disadvantage

    By DVS75,   
    • 1 reply
    • 1,421 views

  22. Checkers in Brooklyn NYC asked me for ID!

    By Guest,
    • 1 reply
    • 852 views

  23. Retailer Refusing CC for Certain Purchases

    By waterlili,
    • 6 replies
    • 1,190 views

  24. Save Mart Supermarkets- ID Required- New Policy

    By thelowpriceleader,
    • 1 reply
    • 1,044 views

  25. ARCO BP credit card fee scam... $1 fee for credit card

    By Need More RWHP,
    • 7 replies
    • 2,606 views

  26. JC Penney - Northern California - ID Required

    By thelowpriceleader,
    • 8 replies
    • 1,121 views

  27. What is America coming to? CC surcharge will be permitted starting 27 Jan 2013

    By Need More RWHP,
    • 13 replies
    • 2,775 views

  28. $5 minimum and $1 transaction fee

    By kw79,
    • 11 replies
    • 2,540 views

  29. Radio Shack Asked For ID

    By KYBOSH,
    • 8 replies
    • 3,108 views

  30. Gamestop refused to sell to my daughter without ID

    By KatieBell,
    • 11 replies
    • 4,032 views

  31. How many ways is this policy sign factually wrong? Let us count the ways

    By Guest,
    • 5 replies
    • 1,287 views

  32. Wallet-sized Merchant Agreement

    By Nummerkins,
    • 9 replies
    • 2,190 views

  33. Wal-Mart requires photo ID, but now it's getting annoying.

    By Medion,
    • 12 replies
    • 2,970 views

  34. Plains commerce card keep or dump

    By Remod07,
    • 2 replies
    • 904 views

  35. Writing down ID?

    By jds2001,
    • 2 replies
    • 1,870 views

  36. Visa/MC debit card

    By cjmazur,
    • 0 replies
    • 1,054 views

  37. Why Showing ID is the Worst Thing You Can Do.

    By Guest Art Nouveau,
    • 14 replies
    • 5,722 views

  38. HH Gregg

    By Grizzly Bear,
    • 7 replies
    • 1,691 views

  39. WAL*MART tried to trespass me for calling them out on CC policy breach

    By Need More RWHP,
    • 104 replies
    • 24,141 views

  40. I made a mistake, I paid off my credit cards

    By learning the hard way,
    • 5 replies
    • 17,607 views

  41. Indian Reservations requiring ID

    By SnowdIn,
    • 5 replies
    • 1,633 views

  42. Local Blimpies is in violation at least two or three ways

    By Guest,
    • 7 replies
    • 1,621 views

  43. Minimum Purchase - told me I had to buy more things!

    By JTinNewYork,
    • 7 replies
    • 1,904 views

  44. Does the $10 minimum purchase apply to just credit cards but not debit cards?

    By groze,
    • 0 replies
    • 1,707 views

  45. Surcharges now Legal in Nevada - Taxis

    By JTinNewYork,
    • 0 replies
    • 1,199 views

  46. Is the verizon $2.00 fee against the credit card companies policy?

    By groze,
    • 1 reply
    • 2,055 views

  47. Current rules status?

    By Uncle Leo,
    • 3 replies
    • 2,796 views

  48. Has anyone been banned from a store due to their signature? I have!

    By Concrete,
    • 32 replies
    • 7,949 views

  49. Is VISA softening up on "no mandatory ID" language?

    By Need More RWHP,
    • 0 replies
    • 1,409 views

  50. The MacStore of Pacific NW "picture ID required on credit card due to increasing identiy fraud"

    By Need More RWHP,
    • 0 replies
    • 1,277 views

  51. Can you articulate exactly the asking of ID offends you?

    By Uncle Leo,
    • 15 replies
    • 4,765 views

  52. 7-Eleven

    By thelowpriceleader,
    • 5 replies
    • 2,700 views

  53. Hotels

    By Grizzly Bear,
    • 3 replies
    • 1,722 views

  • Recently Browsing   0 members

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  • Posts

    • shifter
      shifter's Rebuilding Thread

      By shifter · Posted

      Just logged into my NFCU account and see they bumped me up to 35k.   I would not bother with NFCU until you can get the EQ BK removed. 
    • legaleagle2012
      My first rebuid thread - close to SOL and a bear is rising up

      By legaleagle2012 · Posted

      You could try this Illinois decision:    "Hood v. American Express Centurion Bank," (S.D. Ill. 2011).  The court quoted from Utah Code Annot. 78B-2-309( saying that it provides a 'six year statute of limitations upon any contract, obigation or liability founded upon an instrument in writing.'  He then contrasts it to Utah Code Annot. 78B2-307(1)(b.c), saying, "Another provision of delineates a four year statute of limitations 'after the last charge is made or the last payment is received"upon an "open store account for any goods, wares or merchandise" or an "open account for work,labor, or services rendered or materials furnished."   "A credit card is an open-ended account, and 78B-2-307(1) enumerates various other types of open accounts.  So this Court finds that credit card accounts best fit within the four year statute of limitations provided by Utah Code Annot. 78B-2-307(1).    Effective 5/9/2017 
      78B-2-307.  Within four years. 
           An action may be brought within four years: (1) after the last charge is made or the last payment is received: (a) upon a contract, obligation, or liability not founded upon an instrument in writing; (b) on an open store account for any goods, wares, or merchandise; or (c) on an open account for work, labor or services rendered, or materials furnished;   Lowes and Sams are both store cards which cannot be used anywhere else. The above might scare them off. If not, I would file two arbitration cases, one for each card. The expense of that will make them think twice; Midland refuses to arbitrate 95% of the time. The startup fees for them in AAA are $4700 and $1500 per day thereafter. JAMS is a tad higher than that. Find your agreements from the year you defaulted, they may contain language that says the creditor will pay your initial fee. AAA is 200, Jams is 250. If the agreement provides for both companies, use one for one card and another for the second, don't file two cases with the same arbitrator. That way they can't try to have them consolidated. 
    • hegemony
      Another For-Profit Diploma Mill Bites The Dust?

      By hegemony · Posted

      https://www.republicreport.org/2018/for-profit-college-chain-claims-financial-distress-sues-devos/   ...Education Corporation of America...
    • Credit Tech
      shifter's Rebuilding Thread

      By Credit Tech · Posted

      This is awesome! I've been following. Nice work!   I've opened Secured Discover It with max deposit, and got a Wayfair 1k Unsecured since Discharge 2 months ago. Considering NFCU Secured now (2 mos. since Discharge), or removing BK from EQ(via methods in these forums) and going for unsecured.  Advice?   I guess I'm wondering if I do secured now, and they see the BK. Will they be "blind" to it if I get it removed in a few months and apply for the Unsecured for a nice 20k credit line?   Thanks!
    • TheVig
      The Dining and Food Thread

      By TheVig · Posted

      Prices look reasonable. 

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