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  1. Credit cardholders must be on the watch for new check-out fees that merchants will be able to impose starting in January under a class-action settlement with Visa Inc. V -0.50% and MasterCard Inc., MA -0.98% a consumer advocate and card-industry group are warning.... http://online.wsj.com/article/SB10001424127887323981504578179412019676522.html http://usa.visa.com/personal/using_visa/checkout_fees/index.html It should be noted that surcharges are prohibited by state law in the states of: CA, CO, CT, FL, KS, ME, MA, NY, OK and TX as well as outside the United States unless there is a local law or variance that requires merchants be permitted to engage in the practice. This could mean added penalty to credit card customer up to 4%. http://usa.visa.com/download/merchants/merchant-category-definitions-credit-card-cost-to-acquirers.pdf VISA's site says the store must display the surcharge at point-of-entry as well as check out, conspicuously. I'm not sure if this is a legal requirement as well, but for smaller merchants that do not display the signage at entry point, you can respond by bringing an assortment of ice cream and other perishables to counter during a busy time and say or wait until your food is prepared then say "oh well, I don't want it anymore, you didn't tell me about the fee until I got to the register, have a nice day" when confronted with surcharge at the counter, and by then, you have cost the store far more than the surcharge. If the store hid the surcharge until you get to the check-out, its perfectly legitimate to change your mind at the check-out.
  2. Make a publicity stink on Twitter and make a discrimination complaint with corporate that the clerk discriminated against your daughter for age or perceived social status by selectively requiring her to produce ID while not consistently doing so for older customers. Make sure you emphasize that she was made to feel like she was targeted like a criminal when they singled her out.
  3. Material misrepresentation of fact with intent to deprive is fraud. I told them "no, you can't surcharge credit card per card company rules" which is true and accurate. They refuted and said "yes we can because it costs us money to take cards". The fact that it costs them a fee does not allow them to do so. ARCO, by false pretense that fees are permissible, it is stealing from customers who pay by credit card by deception. This is same as telling the clerk "hey, last time I was here, the manager told me that I can get a free bottle of soda if I fill up" when it in fact didn't happen. If the clerk says ok and lets me have it, this is called theft by deception.
  4. ARCO is traditionally known for not accepting credit cards and charging 35-45 cent fee for using a debit card. Now they're in the business of defrauding credit card users by selling the privilege of using a credit card. At least here in the Pacific NW. "each location is an independently owned franchise and it is up to them what they do" is the corporate response.
  5. From my understanding from the last edition of US law that permitted $10 minimum, credit card companies can't prohibit minimum purchase. Permitted: $n minimum purchase required on all CC purchase. Credit card NOT accepted under $n. (credit card issues maintain the right to prohibit minimum purchase above $10) NOT permitted: $n minimum OR we'll steal 45 cents from you. or... We're going to fraudulently charge xx cents/percent of purchase price for using credit card. Adding fees for credit card is prohibited by VISA/MC, period. AMEX follows as they need to be treated with equal preference as other cards.
  6. What you observed, perhaps is the spirit of the VISA policy to prevent merchants from scrutinizing, marginalize and discriminate customers for race, gender, age, perceived status, national origin, sexual orientation, height, weight whatever. The "computer says so" so is no excuse. Are you going to drive into a brick wall because your GPS navigation told you to "turn right" ?
  7. Merchant was never disallowed from REQUESTING an ID, but many are too stupid to realize that request is different from require. They can request, but contractually prohibited from refusing service for not showing ID _UNLESS_ the ID requirement isn't for credit card, such as when someone looks 20 and is trying to buy alcohol.
  8. Then your reading comprehension maybe lacking. It reads that requiring is not allowed. Let me tell you the difference: Asking ok, response not required Them: Hi, how are you doing today? You: "I prefer not to say" Them: rings up, "$123.32 please" Asking ok, answer required: Them: Hi how are you? You: "I prefer not to say" Them: You must answer it in a way that's satisfactory or we're refusing service That's within the rights of store Now, credit card contract states that as a condition of being a merchant, they're obliged to follow the contract. Because it states that valid MasterCard may not be refused without a valid cause and the contract that the store signed states that merchant may not refuse for customer's choice to not show ID, refusing service would be a breach of contract. So, the store is guilty of misuse of MC brand, misrepresentation of accepted payment methods and breach of contract. MasterCard logo means all validly presented card is accepted. If the purchase was refused for no ID, you look 19 and you were buying booze,the refusal is valid as long s the refusal occurred at the time of attempting to purchase, not after the payment method is selected. If I go to a liquor store and no ID is asked when I start to pull out cash, but change my mind and pull out a card and they do, that's an issue. The no routine ID check makes sense. Allowing it to become regular practice harbors opportunity for merchant to profile customers for perceived age, race, color, class and gender. So that crooks have a chance to gain access to your DOB and state ID number or even make a covert digital image of your license in order to make it easier to steal your identity? Great thinking there buddy!
  9. From VISA FAQ page on Buxx card, a card meant for teens with parental control of usage. http://usa.visa.com/personal/cards/prepaid/buxx_faq.html#anchor_24 "Is identification required to use the card? As a security measure to protect the teen, a merchant might ask to see a teen’s ID, which could be a school ID or a driver’s license. If the teen doesn’t carry ID, the merchant can match the signature on the back of the card to the teen’s signature on the receipt. " The language of this answer is suggestive that asking for ID is ok, sends a false message that its acceptable for merchant to require ID and signature checking is secondary. What salamander thought its okay to write the plain English version of answer in a misleading language? It should read that "Some merchants may ask for an ID, but it is up to your teen to present it. Merchants can't require ID from your teen for using their VISA unless it is also required for every customer no matter the payment method"
  10. http://www.themacstore.com/about_us/philosophy_of_the_mac_store/#policies They've got a multi-page link talking about company philosophies how they'll never operate just by policies yet one thing they don't talk about on the page but they do in the store is that the store makes up rules that completely ignores VISA MC & AMEX policies. The BS sign I spotted inside their Beaverton store reads: "Due to increased risk of identity theft, all credit card must be accompanied by a current picture I.D. all 3rd party use of credit cards must have the holder present at time of payment. We reserve the right to refuse service to anyone" Yeah, apparently if they're female, yes that's a valid reason to them. If they choose to exercise their contractual right to not having service denied for not showing ID, that too.
  11. Merchants do not take responsibility when our information is leaked and they're not held to same level of accountability as health care providers with our health information. Some merchants sneakily steal our DL# and catalog them into database for their own purpose without even telling us. Full name, address, DOB can gain a lot of access. Call a hospital to validate an appointment. It's not just the name. It's always name & DOB combination. Just ask some female employees and manager what their age is. That would be rude and some may express opposition. Understandable. Now, WHY exactly should they have access to such information on customers as a condition of making a purchase?
  12. I found a hard pull on my credit report, in the name of the background check company. I passed everything and got the lease. I discovered about the hard pull months later. It was made clear that lease is month to month before I filled out the application and that there is a deposit. Was there a permissible purpose for them to pull my credit report? I don't know if the paper I signed specifically asked for my permission to do a hard pull either. What is the specific wording needed in order to run a hard inquiry?
  13. It was closed "paid, never late". I opened that account for the sole purpose of establishing my credit history. two years into it, they close it and I had to start all over again and my understanding is that having snippets of short duration card is not good for your credit score.

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