KayveBear's Running Credit Thread

[kayvebear]

I thought I would use my own thread as a shameless plug to promote my company. The truth is, I never would have been able to start this company or fund its endeavors without fixing my credit... so in reality, of all the brags i have had on this board for becoming a CP, this is the one I am most proud of.

 

I started this business 5.5 years ago... but in the last two years is when it really started becoming something I was proud of. If you have a moment feel free to check it out. It is a local business and only applies to Sacramento, CA.

 

Yoga Bear Computer Repair does Computer Repair and Laptop Repair in Sacramento, CA. We are a completely mobile and onsite IT services company, serving the Sacramento community and all cities within a 30 mile radius. We fix both Apple and PC computers, laptops and desktops, and can do everything from data recovery to business networking, replacing cracked lcd screens on laptops, charging issues, virus removals... you name it. I am hoping to expand into other markets in the future, but for now Sacramento is our primary market.

 

www.yogabearpc.com

[mendelssohn]

I would, but...

 

 

 

We accept Cash, Checks, and Credit Card. A 3% convenience fee will be added if you decide to pay by credit.

 

http://www.yogabearpc.com/computer-repair-prices/

 

 

No thank you.

[Cappy]

I would, but...

 

We accept Cash, Checks, and Credit Card. A 3% convenience fee will be added if you decide to pay by credit.

http://www.yogabearpc.com/computer-repair-prices/

 

 

No thank you.

I've seen a lot of local shops charge extra for using a CC. They prefer the cash so they won't get hit with the fees.

 

I'm not sure it's even legal

[mendelssohn]

Legal or not, they don't get my business.

[Cappy]

It depends on the situation really for me at least. If I'm in a place where I need a service done and don't have cash on me. I won't go an ATM for the $3 if it's $100 charge.

 

Just not worth the hassle. Time is $

 

Sometimes you pay for the convenience.

 

Plus anyway, chances are you could make up at least 2% CB anyway if you use the right card.

[mendelssohn]

It depends on the situation really for me at least. If I'm in a place where I need a service done and don't have cash on me. I won't go an ATM for the $3 if it's $100 charge.

 

Just not worth the hassle. Time is $

 

Sometimes you pay for the convenience.

 

Plus anyway, chances are you could make up at least 2% CB anyway if you use the right card.

 

Or just go somewhere else to begin with. There's nothing "convenient" about a 3% surcharge.

 

As a CB grad and BI, KB should know better.

[Cappy]

 

It depends on the situation really for me at least. If I'm in a place where I need a service done and don't have cash on me. I won't go an ATM for the $3 if it's $100 charge.

 

Just not worth the hassle. Time is $

 

Sometimes you pay for the convenience.

 

Plus anyway, chances are you could make up at least 2% CB anyway if you use the right card.

Or just go somewhere else to begin with. There's nothing "convenient" about a 3% surcharge.

 

As a CB grad and BI, KB should know better.

Sometimes you don't know until you walk in.

 

For example.. about 2 years ago I walked into a repair shop to get the glass replaced on my phone. I asked if they accepted CC's. They told me yes and I left the shop and came back an hour later.

 

They only mentioned when I was going to pay that they charge a % to pay with CC.

 

I was a little ticked off they didn't mention it when I asked about it the hour before. I paid and left. Sometimes you just deal with it.

[mendelssohn]

 

 

It depends on the situation really for me at least. If I'm in a place where I need a service done and don't have cash on me. I won't go an ATM for the $3 if it's $100 charge.

 

Just not worth the hassle. Time is $

 

Sometimes you pay for the convenience.

 

Plus anyway, chances are you could make up at least 2% CB anyway if you use the right card.

Or just go somewhere else to begin with. There's nothing "convenient" about a 3% surcharge.

 

As a CB grad and BI, KB should know better.

Sometimes you don't know until you walk in.

 

For example.. about 2 years ago I walked into a repair shop to get the glass replaced on my phone. I asked if they accepted CC's. They told me yes and I left the shop and came back an hour later.

 

They only mentioned when I was going to pay that they charge a % to pay with CC.

 

I was a little ticked off they didn't mention it when I asked about it the hour before. I paid and left. Sometimes you just deal with it.

 

 

I walk out, even if it is not as convenient for me, to teach the owners a lesson.

 

I refuse to "deal with it," and as a consumer, I don't have to.

[Cappy]

 

 

 

It depends on the situation really for me at least. If I'm in a place where I need a service done and don't have cash on me. I won't go an ATM for the $3 if it's $100 charge.

 

Just not worth the hassle. Time is $

 

Sometimes you pay for the convenience.

 

Plus anyway, chances are you could make up at least 2% CB anyway if you use the right card.

Or just go somewhere else to begin with. There's nothing "convenient" about a 3% surcharge.

 

As a CB grad and BI, KB should know better.

Sometimes you don't know until you walk in.

 

For example.. about 2 years ago I walked into a repair shop to get the glass replaced on my phone. I asked if they accepted CC's. They told me yes and I left the shop and came back an hour later.

 

They only mentioned when I was going to pay that they charge a % to pay with CC.

 

I was a little ticked off they didn't mention it when I asked about it the hour before. I paid and left. Sometimes you just deal with it.

I walk out, even if it is not as convenient for me, to teach the owners a lesson.

 

I refuse to "deal with it," and as a consumer, I don't have to.

Of course you don't have to deal with it. But in my situation, they had my phone. I had to pay to get it back.

 

I could've argued for the $3 fee, but they were closing shop and I didn't have the patience.

 

I usually fight the "Big" deals.

 

Always could write a negative Yelp review and they may change their practice real fast.

[PotO]

I would, but...

 

 

We accept Cash, Checks, and Credit Card. A 3% convenience fee will be added if you decide to pay by credit.

http://www.yogabearpc.com/computer-repair-prices/

 

 

No thank you.

Hou Lee Phuc

 

If I've never insulted you, Kayvebear, I'm sorry.

[PotO]

 

 

 

 

It depends on the situation really for me at least. If I'm in a place where I need a service done and don't have cash on me. I won't go an ATM for the $3 if it's $100 charge.

Just not worth the hassle. Time is $

Sometimes you pay for the convenience.

Plus anyway, chances are you could make up at least 2% CB anyway if you use the right card.

Or just go somewhere else to begin with. There's nothing "convenient" about a 3% surcharge.

 

As a CB grad and BI, KB should know better.

Sometimes you don't know until you walk in.

For example.. about 2 years ago I walked into a repair shop to get the glass replaced on my phone. I asked if they accepted CC's. They told me yes and I left the shop and came back an hour later.

They only mentioned when I was going to pay that they charge a % to pay with CC.

I was a little ticked off they didn't mention it when I asked about it the hour before. I paid and left. Sometimes you just deal with it.

I walk out, even if it is not as convenient for me, to teach the owners a lesson.

 

I refuse to "deal with it," and as a consumer, I don't have to.

Of course you don't have to deal with it. But in my situation, they had my phone. I had to pay to get it back.

I could've argued for the $3 fee, but they were closing shop and I didn't have the patience.

I usually fight the "Big" deals.

Always could write a negative Yelp review and they may change their practice real fast.

Been there, done that. Nothing a chargeback can't easily fix.

[Big Bear]

Not calling Mr. White the "Polar bear"? Missed opportunity!

 

 

Good luck with the business, KB!

[kayvebear]

Actually... Mendel... here is why.

We do not make a profit on parts at my company. Not one penny. The customer pays what we pay. 80% of jobs have parts involved. We would actually lose money on those jobs when people pay by CC... thus the convenience fee.

 

Just think that parts get marked up 3% if that makes you feel better. or a 3% discount for paying by check.

 

Sheesh.

[Cappy]

Actually... Mendel... here is why.

We do not make a profit on parts at my company. Not one penny. The customer pays what we pay. 80% of jobs have parts involved. We would actually lose money on those jobs when people pay by CC... thus the convenience fee.

 

Just think that parts get marked up 3% if that makes you feel better. or a 3% discount for paying by check.

 

Sheesh.

But services don't cost money. They are time related.

[kayvebear]

 

Actually... Mendel... here is why.

We do not make a profit on parts at my company. Not one penny. The customer pays what we pay. 80% of jobs have parts involved. We would actually lose money on those jobs when people pay by CC... thus the convenience fee.

 

Just think that parts get marked up 3% if that makes you feel better. or a 3% discount for paying by check.

 

Sheesh.

But services don't cost money. They are time related.

 

 

It is very common for there to be $89 of labor with $600 in parts on a single job. I guess per your suggestion we could just charge 3% on the 600 and not the 89.

 

Unfortunately CC processors charge a flat % regardless whether it is $5 or $5000. I am not a gas station selling m&ms. Losing 3% on a $1200 job that was $900 of parts would crush us.

We are very transparent about it, and mostly people are thrilled that we don't make a penny on parts (keeps us honest).

 

We've never had a single complaint about it (besides on this message board just now)

[Cappy]

 

 

Actually... Mendel... here is why.

We do not make a profit on parts at my company. Not one penny. The customer pays what we pay. 80% of jobs have parts involved. We would actually lose money on those jobs when people pay by CC... thus the convenience fee.

 

Just think that parts get marked up 3% if that makes you feel better. or a 3% discount for paying by check.

 

Sheesh.

But services don't cost money. They are time related.

It is very common for there to be $89 of labor with $600 in parts on a single job. I guess per your suggestion we could just charge 3% on the 600 and not the 89.

 

Unfortunately CC processors charge a flat % regardless whether it is $5 or $5000. I am not a gas station selling m&ms. Losing 3% on a $1200 job that was $900 of parts would crush us.

We are very transparent about it, and mostly people are thrilled that we don't make a penny on parts (keeps us honest).

 

We've never had a single complaint about it (besides on this message board just now)

I was speaking into regards of a job for virus removal. (That type of job)

 

For those who know how to do it. You use a few apps, get rid of the junk and get paid nicely.

 

You could eliminate the fees at least in that. It's pure profit.

[hyschmied]

And we all know KB pays for his parts with a cc.

 

Anyway congrats on the business.

[mendelssohn]

And we all know KB pays for his parts with a cc.

 

Bingo!

 

Like many other business owners, I'm sure he just doesn't want to pay the processing fee. Yes, it costs money but that is part of the cost of doing business.

[DollarDog]

Lots of people posting tech issues here that you can help with.

 

Are you the same Michael Grippi of Comstock Mortgage?

[kayvebear]

Lots of people posting tech issues here that you can help with.

 

Are you the same Michael Grippi of Comstock Mortgage?

Edited August 6, 2016 by kayvebear

[pwd847]

It is quite obvious that marketing yourself as "parts at cost" is better for business than just "come buy our cheap parts."

 

I would compare the bills and make a decision on where I wanted to go. As Mendel pointed out the 3% markup is properly displayed for all to see.

 

It's very apparent that some of us credit card nerds would not be interested in his services, but maybe we aren't his target consumer.

 

 

 

BTW, I can't wait until I can open my own shop! I gained membership to Founderscard as Owner of "The Computer Guy".

Edited August 6, 2016 by pwd847

[cv91915]

 

Lots of people posting tech issues here that you can help with.

 

Are you the same Michael Grippi of Comstock Mortgage?

 

 

OK, now I need to hear the story.

Edited August 6, 2016 by cv91915

[kayvebear]

Tough crowd. And Thanks PWD

 

And yes I did loans for about 8 months in 2012. Wasn't for me. CB inspired that career

[mendelssohn]

KB, you know we are CC nerds and walk out of places that don't accept CCs or have surcharges. That's just the way it is for many of us.

[cv91915]

Tough crowd. And Thanks PWD

 

And yes I did loans for about 8 months in 2012. Wasn't for me. CB inspired that career

 

I thought you and Dollar Dog had a story. That was the basis for my question.

 

I didn't enjoy yodeling. We all make career changes.