Just the childish name would make me avoid the place.They need the cash. Food sucks
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Just the childish name would make me avoid the place.They need the cash. Food sucks
It also cost the town (read TAXPAYERS) money to process the CC. Why should I support YOUR convenience?your paying for the convenience of the web site, vs going to town hall, bait shop ect ect
Ah yes the embattled “Cash only Rant” thread. Looking back I still laugh at the people talking shit. Let’s see since then I have cashed back about $1100 for using my card/s.OTOH, you can use credit cards as a brush-back pitch against retailers.
(The Radio Shack anecdote).
That's @SHOCKNAWE's 5-Jul'19 "Cash only Rant *Updated*" thread,
and my post there is chock full o' anecdotage.
Ya. While you’re looking at the parts you need on the counter and your ride is on 4 Jack stands in the driveway.So if an item is 103 bucks instead of 100 you are gonna shop around?
This is what happens when you disinfect your money in the microwave.It is suppose to be illegal to charge more for a CC transaction that cash in this state. But as stated, businesses call it a 'cash discount'. Right now I'm getting 5% cash back from Amazom on Amazon purchases using their card. And 3% back from BJ's purchases and 10 cents off a gallon of gas. All my cards are giving me 1%-2% back on all other purchases.Some 3% back at Restaurants. I use to always pay cash at restaurants until the Covid thing and they started thinking cash was tainted.
No I replaced the wheels on the Mustang with OEM ones I liked better.You paid retail for four tires you planned to resell? How much do tires sell for in Florida?!
Nah you use the card to impress girls. An exclusive card implies wealth and stature. Nothing makes a babe want to go home with you as much as the Disney Premier Visa does.I use to always pay cash at restaurants until the Covid thing and they started thinking cash was tainted.
My wife frowns on me bring babes home.Nah you use the card to impress girls. An exclusive card implies wealth and stature. Nothing makes a babe want to go home with you as much as the Disney Premier Visa does.
They just inflated the price so you think you got a deal. Believe me they made a profit off of you. They certainly didn’t take a loss. Sales and discounts are all bullshit to make the consumer feel happy. Manufacturers and vendors manipulate the price but are not taking a loss.Just had new granite countertops installed in my kitchen. The company gave me a 10% discount for cash...With a receipt, not under the table. Also a %525 credit for removing and disposing of the old countertops, better than $1k off the price.
I agree. But of her bill was 1550 and she paid a card fine. If she paid cash dealer wins. Makes sense to me. Just add the fee into the price always
Yup. same as doing your yearly corporate filings with MA. Costs $500 for the filing and then $20 to pay for it online.This this and more this.
Just paid my annual Bill Galvin Memorial Go F Yourself mASS Business "tax." (Annual business renewal somethingorother.)
It's $125 if you do it by hand and send a check. OK.
But if you do it online, it's only $100.
They have 2 options: Pay by bank acct debit or cc. I chose bank acct. Got all the way through, $110. $100 and then $10 for some sort of expediency surcharge. Surcharge??? For paying online??? How about I mail a check? Nope. That's by paper and you'll pay $125 with no expediency surcharge because you're doing it the old slow way.
OK, CC. $110. FINE. Basically I just F'd the processor of these transactions out of 30% of their gross profit margin. They can go F themselves. I could see a $3 or $5 surcharge for a CC, but charging $10 and then doing it also for direct bank debit???
Had they just made it $110 or $100 (because you don't think their prices have anything to do with costs when it comes to state government) no one would complain. I bitch about this every February when I'm FORCED to file.
Normally it's civil, a violation of the merchant agreement, but MGL reads "No seller in any sales transaction may impose a surcharge on a cardholder who elects to use a credit card.... any discount from the regular price offered by the seller for the purpose of inducing payment by cash, check ... shall not constitute a finance charge under section four if such discount is offered to all prospective buyers and its availability is disclosed clearly and conspicuously"Conflicting laws
1) It is illegal for a business to surcharge for using a credit card. Business is allowed to DISCOUNT for paying cash. This was put in place as a mechanism to prevent screwing customers over by handing them an invoice for more than the listed price of <thing>. Boch should be prosecuted but Maura’s too f*cking busy submitting amicus briefs in every other state to do her f*cking job in this one.
TIL the practice of charging a credit card surcharge for in-person transactions is unlawful in Connecticut, Florida, Maine, Massachusetts, Texas, and a few other states.It is suppose to be illegal to charge more for a CC transaction that cash in this state. But as stated, businesses call it a 'cash discount'. Right now I'm getting 5% cash back from Amazom on Amazon purchases using their card. And 3% back from BJ's purchases and 10 cents off a gallon of gas. All my cards are giving me 1%-2% back on all other purchases.Some 3% back at Restaurants. I use to always pay cash at restaurants until the Covid thing and they started thinking cash was tainted.
Government literally writes their own rules that bypass this MA law regarding "no surcharge", because: of course they do. From an article I read on this matter:If the state can add a convenience fee for card transactions why can't private
My town has a "convenience fee" to use a credit card to pay a town bill. So, instead of paying that, I just send them a physical check using my online bank account. Costs me nothing (neither postage nor the cost of the check), but they get to manually enter all the data from the note field of the check into their systems, then get the check transported over to the bank.It also cost the town (read TAXPAYERS) money to process the CC. Why should I support YOUR convenience?
in Massachusetts It is illegal to charge more for a card. But you can offer a discount for cash
Quit following me around.
Should have been looking somewhere else regardless of the 3%.car dealerships are now pulling this BS, if you take credit cards, the post off is part of the cost of doing business... adding 3% onto a parts and service order will have me looking for somewhere else to go
Dat a**.Maybe I am .
Your perspective is not wrong .... for 1999. With the gig economy and places like square, intuit, etc we have fixed fee structure vs variable. In the "old days" you had to sign up with MC, Visa, Amex, Diners, etc all separately. You might get a clearing house processor like Leaders or similar that would handle it all for you (for a fee), but you still had individual accounts with every possible processor. Some had monthly fees. some had minimums. some charged fixed fee per swipe plus %. some charged a % only. The % might be fixed or it might be variable based on whether the card was basic, premium or rewards. CC processing was highly variable and expensive to manage and impossible to predict.Fees on debit cards are limited. This is because there is no risk on a debit card. The money is already there. Fees on credit cards theoretically reflect a certain amount of risk that the purchaser will not pay the bill. The interchange rate paid by the merchant is based on many different factors and in some cases is limited regardless of the transaction amount. Large ticket items, such as cars, have typically refused CC payments or limited the amount charged so the profit is not eaten up by fees.
Bottom line, CC have fees. The merchant can adjust prices to cover the fees regardless of payment method or they can can give a lower price if you pay cash, check or debit. The irony is the cost of handling cash can sometimes exceed the CC fees and there is the increased possibility of employee theft with cash and getting robbed.
Oh really now? How does this affect the merchant?Fees on credit cards theoretically reflect a certain amount of risk that the purchaser will not pay the bill.
Yup. same as doing your yearly corporate filings with MA. Costs $500 for the filing and then $20 to pay for it online.
The interchange fees take risk into account.Oh really now? How does this affect the merchant?Fees on credit cards theoretically reflect a certain amount of risk that the purchaser will not pay the bill.