Should sur charges for using credit cards be passed on by stores to the customer?
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The Water Cooler
Should sur charges for using credit cards be passed on by stores to the customer?
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I don' think so - prices are high enough now.
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Forums » Baking Forums » The Water Cooler » Should sur charges for using credit cards be passed on by stores to the customer?

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Should sur charges for using credit cards be passed on by stores to the customer?

posted at 1/28/2013 8:55 AM EST
Posts: 3544
First: 1/16/2009
Last: 4/19/2014
I don' think so - prices are high enough now.

Re: Should sur charges for using credit cards be passed on by stores to the customer?

posted at 1/28/2013 9:40 AM EST
Posts: 1333
First: 8/8/2008
Last: 4/16/2014
i think its nuts i get calls becouse i don't  use my cards i would use them less with another charge. you would think they know people would not use cards and pay cash

Re: Should sur charges for using credit cards be passed on by stores to the customer?

posted at 1/28/2013 10:59 AM EST
Posts: 1954
First: 12/5/2010
Last: 4/18/2014
it's like everything else , we pay it, one way or another
but i only use my debit card anyway         i quit using any credit cards when i retired almost 16 yrs ago

but i did notice that a new shell station nearby has a   cash only   price   that used to be available to debit card users   but no longer is   so i only went once
i HATE   to have to go inside  when i have pumped my own gas          but they have so much to sell you in there  they just want you inside to impulse buy   and i will go to the other sta first

Re: Should sur charges for using credit card be passed on by stores to the customer?

posted at 1/28/2013 11:16 AM EST
Posts: 4948
First: 6/4/2010
Last: 4/30/2013
No we should not pay for sur charges.I feel this is a guarantee that the store is going to get paid so they should eat the extra charge.I stopped buying from my AVON lady because she charged me a 75 cent handling fee every two weeks when I ordered from her.I picked it up from her so she didn't use any gas for delivery.My order for her was always at $50 every two weeks.

Re: Should sur charges for using credit card be passed on by stores to the customer?

posted at 1/28/2013 11:40 AM EST
Posts: 654
First: 10/4/2008
Last: 4/19/2014
ABSOLUTELY NOT!!!  If that happens, I will go back to strictly CASH!!  We are supposedly being asked to spend our money to help the economy.  But if they put on that surcharge, they will lose!  Either people will stop shopping until those companies come to their senses, or they will go to cash.  
 

Re: Should sur charges for using credit cards be passed on by stores to the customer?

posted at 1/28/2013 12:26 PM EST
Posts: 2166
First: 8/8/2008
Last: 4/19/2014
my answer is no I write checks or use a debit card no charge cards

Re: Should sur charges for using credit cards be passed on by stores to the customer?

posted at 1/28/2013 1:38 PM EST
Posts: 959
First: 1/20/2010
Last: 4/13/2014
No I will quit using them and use cash instead.

Re: Should sur charges for using credit cards be passed on by stores to the customer?

posted at 1/28/2013 3:25 PM EST
Posts: 725
First: 12/31/2009
Last: 3/21/2014
I don't think we should have to pay the charge, but somehow, I feel that we, the customer, are going to end up paying for it in the end.

Re: Should sur charges for using credit card be passed on by stores to the customer?

posted at 1/28/2013 4:18 PM EST
Posts: 3406
First: 10/6/2010
Last: 4/15/2014
There are some restaurants that  when you charge a meal and put the TIP on the card the server will get charged the % and have that amount deducted from the TIP.
When I read that I was quite surprised and since then I have always given the TIP in cash.  I make sure I draw a line through the space where the TIP would be indicated.

As to being charged the % that the card company charges the establishment we are paying for the "privilege" with higher prices.  There are still gas stations that have a Cash price and a Charge price and it is quite significant the difference in the two.

I would guess that in some stores you could "negotiate" a cash price and ask for a reduction on the item if you were to pay cash.  Does not hurt to ask. 

Re: Should sur charges for using credit cards be passed on by stores to the customer?

posted at 1/28/2013 5:02 PM EST
Posts: 3927
First: 9/5/2010
Last: 4/19/2014

CNN -- Starting Sunday, you might want to think twice when you're asked "Credit or Debit."

Stores in most states can now charge customers a "checkout fee" if you use your credit card. These fees are not allowed in all states. Ten states have laws that prohibit surcharge fees on credit cards. They are California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma and Texas.

The new fees are part of a settlement between Visa, MasterCard and nine big banks. The settlement gives retailers the option to tack on a surcharge if a customer uses a credit card. The retailer can charge 1.5 to 3 percent of the total purchase, enough to cover the processing costs.

The fee doesn't apply to debit cards and it will still be illegal to charge fees in 10 states. Again, stores will have the choice to either get stuck footing the bill for the swipe fees, or risk transferring the cost to their customers, possibly driving away business.

Walmart said in a statement that it would cost customers tens of billions of dollars each year.

Here's a link to the story on CNN Money.

Re: Should sur charges for using credit cards be passed on by stores to the customer?

posted at 1/28/2013 5:07 PM EST
Posts: 1038
First: 10/1/2008
Last: 4/19/2014
We live in California so it is not an issue! I don't like to use my debit card because there is so much fraud and stealing associated with them. I use it only at the ATM. I feel for all of you that are facing these extra charges!

Re: Should sur charges for using credit card be passed on by stores to the customer?

posted at 1/28/2013 6:42 PM EST
Posts: 3406
First: 10/6/2010
Last: 4/15/2014
This will change the way I shop if the stores I shop at begin charging the fee.  
I would think that the fees that the credit card companies have been charging the stores are really a cost of doing business and in theory could be deducted against profits so the stores really don't loose money anyway.

Re: Should sur charges for using credit cards be passed on by stores to the customer?

posted at 1/29/2013 7:19 PM EST
Posts: 3722
First: 9/13/2011
Last: 4/19/2014
GRANA here; I think it shouldbethoughtof as a9 cost of  doing business (  way of getting shoppers to shop in your store& give a 5% discount to those paying cash or using a debitcard[as was done when credit card were first  introduced.( the surcharge they must pay  to the bank for  credit card purchases...This would reward gthose  who shop w/o adding go their debt own debt 7 reward those  who are limiting their own personal DEBTCool;  of coourse that might slow down retail sales;but so might the extra charge for using a credit card to shopMoney mouth

Re: Should sur charges for using credit cards be passed on by stores to the customer?

posted at 1/30/2013 12:57 AM EST
Posts: 3927
First: 9/5/2010
Last: 4/19/2014
Circumvent the process "Write a CHECK"

Re: Should sur charges for using credit cards be passed on by stores to the customer?

posted at 1/30/2013 9:35 AM EST
Posts: 1856
First: 10/8/2010
Last: 2/12/2014
I have 2 credit cards I use.  One is an LL Bean which gives me "bean bux" when I have enough purchases.  They give a % on any purchases I put on the card.  The other is a Chase which gives me 1% on everything and 5% on certain items each quarter.  This quarter it is 5% on gas purchases.  When I have enough built  up I get a check from them.  I have already collected $200.
I'll only use a credit card if it is free and gives me something.  If I have to pay anything, I'll just use cash like I used to.  It isn't as convenient as writing one check once a month to pay the entire card balance, but I'll be darned if I'll pay for the previlige of using a credit card.

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