Does this ever bother you? SCAM!!!!!!
stman
Posts: 11,352 ✭✭✭✭✭
When we see coins on websites or on Ebay, they say they take credit cards, but want you to pay with a check instead. Understood the fees cost them, but I know they add those into their prices, but don't offer to discount the coin any for a check.
I'm talking mainly websites and maybe BIN on Ebay or Ebay stores. I usually don't use a credit card but like to use the Visa check card and it comes right out of my checking account, and I understand they still have to pay the fees. I even had a local dealer that takes credit cards tell me once "I knew you were going to end up doing that." So for his comment I told him discount the price some and I'll bring a check next time.
Granted, it might not be legal to discount for cash prices, but there are other ways around it. I just feel if they already added the juice for the CC, by them asking for a check is just trying to squeeze some more profit.
BTW, I usually end up sending a check, but just feel they could scratch my back also.
Anybody feel the same way? Or maybe I'm just being grumpy again?
Edited to add SCAM in the title, I know people like that.
I'm talking mainly websites and maybe BIN on Ebay or Ebay stores. I usually don't use a credit card but like to use the Visa check card and it comes right out of my checking account, and I understand they still have to pay the fees. I even had a local dealer that takes credit cards tell me once "I knew you were going to end up doing that." So for his comment I told him discount the price some and I'll bring a check next time.
Granted, it might not be legal to discount for cash prices, but there are other ways around it. I just feel if they already added the juice for the CC, by them asking for a check is just trying to squeeze some more profit.
BTW, I usually end up sending a check, but just feel they could scratch my back also.
Anybody feel the same way? Or maybe I'm just being grumpy again?
Edited to add SCAM in the title, I know people like that.
Please... Save The Stories, Just Answer My Questions, And Tell Me How Much!!!!!
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edited to say: if they say they take credit cards, ignore their belly-aching when you use it! Just don't try to pay in a way they don't want to....
A local dealer in my area slaps on $2 to the sale as soon as a credit card comes out of a wallet.
Just my $.02
Jeremy
A local dealer in my area slaps on $2 to the sale as soon as a credit card comes out of a wallet.
Just my $.02
Discounting for cas is NOT illegal!
Granted, it might not be legal to discount for cash prices, but there are other ways around it. I just feel if they already added the juice for the CC, by them asking for a check is just trying to squeeze some more profit.
Just my two Lincolns worth....
Lincoln Wheats (1909 - 1958) Basic Set - Always Interested in Upgrading!
<< <i>What is it - A 3% charge? You're paying for the convenience, so get over it! >>
No, you didn't read what I wrote. I know I'm paying for the convenience, but when I'm paying for this and then on the sly they ask for a check is what I have a problem with. Some that ask for a check will give a break.
That is my point. And when it's an expensive coin that 3% extra is quite a bit. So I say again, they could scratch my back also.
BTW, with all the ebay posts I weed through all the time I feel I could post one, if it's ok with you.
Life is too short. Don't sweat the small stuff. You're going to give yourself a heartattack. Let it go.
If the dealer says they take credit cards and you use one they should accept it gracefully and thank you for the business.If you ask for a discount for using cash and they go for it that's good for everyone except the credit card company.
If you pay me with your Credit card I can use those funds the next day. If you mail me a check I will not be able to use those funds for 10 days at the earliest. From your point of view the money is gone either way but from mine your bank is still using my/your money for up to 3 weeks (more often it is 10 days or so). So....
No discount if you want to mail me a check versus paying by credit card. If you are in my store with cash or a local check then we can talk about a cash discount.
Another note: if you are dealing with a smaller credit card accepting dealer it is likely that your check card cost that merchant just as much as a credit card to accept.
edit to add and to more accurately address original intent of stman's post:
I cannot see why a dealer would bait and switch in this manner. The fees that he may avoid by asking you to send a check instead of using your CC are not enough to justify the slow down in his cash flow.
A bad tactic all around - upset a customer and slow down your cash flow at the same time.
Good point on the availability of funds, I wasn't thinking about that!
WH