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### Author Topic: "I'm never shopping THERE again!" Share your story!  (Read 2998414 times)

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#### jedikaiti

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• A pie in the hand is worth two in the mail.
##### Re: "I'm never shopping THERE again!" Share your story!
« Reply #3645 on: March 11, 2013, 01:39:28 PM »
Amara wrote:

"Funny these. There is a local crafts store here that is similar to Michael's. Wanting to support local business, I went in a few months ago to have a photograph framed. Turns out they accept only cash or credit cards. No checks, no debit cards. I paid with a credit card that time but was quite unhappy about it so they lose. Michael's it is in the future."

This stance perplexes me since every debit card that's attached to the VISA or Mastercard network can be run as a credit card, so barring very few debit cards that shouldn't present an issue.

Virg

I'm also confused, because isn't there a fee associated with credit cards that's not associated with debit cards?

Those fees are so confusing... my one bank's debit card has a $0.25(US) fee every time you use it as a debit card - but if I use it as a credit card, it's free. For my credit union, there's no fees, but I earn rewards for CC-type usage but not when I enter my PIN. So I am guessing there are different processing charges associated with credit vs. debit. What part of v_e = \sqrt{\frac{2GM}{r}} don't you understand? It's only rocket science! "The problem with re-examining your brilliant ideas is that more often than not, you discover they are the intellectual equivalent of saying, 'Hold my beer and watch this!'" - Cindy Couture #### gramma dishes • Member • Posts: 7752 ##### Re: "I'm never shopping THERE again!" Share your story! « Reply #3646 on: March 11, 2013, 02:45:01 PM » Those fees are so confusing... my one bank's debit card has a$0.25(US) fee every time you use it as a debit card - but if I use it as a credit card, it's free. For my credit union, there's no fees, but I earn rewards for CC-type usage but not when I enter my PIN. So I am guessing there are different processing charges associated with credit vs. debit.

I'm not sure, but I think that when you use a debit card, if there's a fee you are the one paying it.  When it's used as a credit card, the credit card company/bank charges the store a small percentage, not you.

#### Margo

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##### Re: "I'm never shopping THERE again!" Share your story!
« Reply #3647 on: March 11, 2013, 02:48:18 PM »
Amara wrote:

"Funny these. There is a local crafts store here that is similar to Michael's. Wanting to support local business, I went in a few months ago to have a photograph framed. Turns out they accept only cash or credit cards. No checks, no debit cards. I paid with a credit card that time but was quite unhappy about it so they lose. Michael's it is in the future."

This stance perplexes me since every debit card that's attached to the VISA or Mastercard network can be run as a credit card, so barring very few debit cards that shouldn't present an issue.

Virg

I'm also confused, because isn't there a fee associated with credit cards that's not associated with debit cards?

Those fees are so confusing... my one bank's debit card has a $0.25(US) fee every time you use it as a debit card - but if I use it as a credit card, it's free. For my credit union, there's no fees, but I earn rewards for CC-type usage but not when I enter my PIN. So I am guessing there are different processing charges associated with credit vs. debit. This could be the difference. If you pay the fee, it's cheaper for the store. If it's free for you, they're almost certainly paying a processing fee. I can't speak for the US but here in the UK this can be a problem for smaller businesses as they don't have the clout to negotiate a better deal with the bank. #### LazyDaisy • Member • Posts: 1154 ##### Re: "I'm never shopping THERE again!" Share your story! « Reply #3648 on: March 11, 2013, 03:01:01 PM » I think it has more to do with the possibility of a personal check or debit transaction "bouncing." There can be a slight delay on debit card reconciliation on the business end -- approval at the time of transaction doesn't mean the funds are taken out right on the spot. I know that when I make a debit card purchase over a holiday or weekend, when the banks are closed, it doesn't show up until the banks reopen and they process the debit. If I went wild over a weekend, it's possible that on Monday, when they go to reconcile all of my purchases, my account becomes overdrawn and my debit transactions bounce. On a credit card, the business might have a bit of "insurance" that the CC company will cover the purchase and go after their card holder themselves. Maybe no such agreement occurs on a debit transaction. "A common mistake that people make when trying to design something completely foolproof is to underestimate the ingenuity of complete fools." — Douglas Adams #### Amara • Member • Posts: 2134 ##### Re: "I'm never shopping THERE again!" Share your story! « Reply #3649 on: March 11, 2013, 03:19:54 PM » Debit card transactions are not taken out right away? I didn't know that. It seems as if the money is gone as soon as you approve it. See's Candies, for example, will take your check. But then they process it so it becomes a debit transaction and then hand you the check back. (I no longer bother to write checks to them; waste of paper.) And honestly I have no idea why this craft store takes credit cards but no debit cards. At the time I was totally confused, and asked the clerk three times if I was hearing right. Now, I just go elsewhere. #### ica171 • Member • Posts: 566 ##### Re: "I'm never shopping THERE again!" Share your story! « Reply #3650 on: March 11, 2013, 03:26:56 PM » Some debit transactions come out of my account right away, within minutes. Some, like gas, put a hold on and then the full amount comes out a few days later. Some don't come out at all for a few days, like if I buy something over the weekend. And that's at major stores--I'm pretty sure I've had Target and Wal-Mart charges not post until Monday. So it seems like if that was a worry for a business it would be possible to make sure the debit charges come out right away, but I'm not sure how. #### LazyDaisy • Member • Posts: 1154 ##### Re: "I'm never shopping THERE again!" Share your story! « Reply #3651 on: March 11, 2013, 04:11:16 PM » Some debit transactions come out of my account right away, within minutes. Some, like gas, put a hold on and then the full amount comes out a few days later. Some don't come out at all for a few days, like if I buy something over the weekend. And that's at major stores--I'm pretty sure I've had Target and Wal-Mart charges not post until Monday. So it seems like if that was a worry for a business it would be possible to make sure the debit charges come out right away, but I'm not sure how. I don't think the business can do it though, that would be up to all of the various banks and credit unions that their customers might use. I bet the business has been burned in the past and decided it wasn't worth the risk. "A common mistake that people make when trying to design something completely foolproof is to underestimate the ingenuity of complete fools." — Douglas Adams #### Jules1980 • Member • Posts: 685 ##### Re: "I'm never shopping THERE again!" Share your story! « Reply #3652 on: March 11, 2013, 07:08:19 PM » Also, some banks charge the store a service charge on debit transactions. The gas station near me won't accept a debit charge for less than 5 dollars since it has to be at least that much (well, that's the nearest dollar) for them to make a profit on it after service charges. #### ladyknight1 • Member • Posts: 12217 • Not all those who wander are lost ##### Re: "I'm never shopping THERE again!" Share your story! « Reply #3653 on: March 11, 2013, 08:08:26 PM » According to the merchant agreement between the merchant and the card company, they can't require a minimum charge for debit purchases, although a small minimum is allowed for credit purchases. If you report them, they will lose their ability to process those payments. http://www.cardfellow.com/blog/minimum-charge-credit-card-purchase “All that is gold does not glitter, Not all those who wander are lost; The old that is strong does not wither, Deep roots are not reached by the frost." -J.R.R Tolkien #### Kaymyth • Member • Posts: 953 ##### Re: "I'm never shopping THERE again!" Share your story! « Reply #3654 on: March 11, 2013, 10:51:55 PM » Some debit transactions come out of my account right away, within minutes. Some, like gas, put a hold on and then the full amount comes out a few days later. Some don't come out at all for a few days, like if I buy something over the weekend. And that's at major stores--I'm pretty sure I've had Target and Wal-Mart charges not post until Monday. So it seems like if that was a worry for a business it would be possible to make sure the debit charges come out right away, but I'm not sure how. I don't think the business can do it though, that would be up to all of the various banks and credit unions that their customers might use. I bet the business has been burned in the past and decided it wasn't worth the risk. It varies pretty wildly, depending on the merchant's POS processor and which companies are processing the bank cards. Everyone's got a slightly different setup. Some will hit the credit lines on authorization, and some for whatever odd reason won't show up until the merchant has settled the transactions in their device. In the latter case, it can sometimes take even longer, because the transactions have to process through the merchant's POS provider and then get sent on to the various credit card companies. Example: self-serve gas pumps will dial in for pre-authorization and may put a "hold" on the card. This hold can vary from$1 to $100 (or more), and is actually set by the merchant in the software at the pump. Once the pump settles out and the transactions process through, the hold will resolve to the actual amount pumped. #### Jules1980 • Member • Posts: 685 ##### Re: "I'm never shopping THERE again!" Share your story! « Reply #3655 on: March 12, 2013, 01:44:51 AM » According to the merchant agreement between the merchant and the card company, they can't require a minimum charge for debit purchases, although a small minimum is allowed for credit purchases. If you report them, they will lose their ability to process those payments. http://www.cardfellow.com/blog/minimum-charge-credit-card-purchase Didn't know that. Interesting. #### ladyknight1 • Member • Posts: 12217 • Not all those who wander are lost ##### Re: "I'm never shopping THERE again!" Share your story! « Reply #3656 on: March 12, 2013, 08:44:50 AM » My husband's business was reported for having a minimum, and had to meet with agents from Visa. “All that is gold does not glitter, Not all those who wander are lost; The old that is strong does not wither, Deep roots are not reached by the frost." -J.R.R Tolkien #### Sebastienne • Member • Posts: 513 ##### Re: "I'm never shopping THERE again!" Share your story! « Reply #3657 on: March 13, 2013, 04:18:44 PM » Last week, I made an appointment to take my car into a local shop for an oil change/tire rotation/state inspection. The owner gave me a call when it was done (except, apparently for the inspection, because I'd made an appointment on the inspector's day off. Which--huh.). He asked about the car "shuddering." I thought he was talking about how it was a little choppy when changing gears, but when I got the car back (after paying over$80 for the oil change/rotation),  I understood what he meant. It was obviously misfiring, and in the three block drive back to my house, it stalled twice, and the check engine light came on.

I brought it back to the shop, he ran diagnostics (for $90), and said that the problem was with the air intake sensor on the engine, and repairs would be around$500. And this couldn't possibly be caused by the oil change, even though my car (with 6,000 whole miles on it) has never shown symptoms of this before.

The car is still under warranty, so instead, I had it towed to the nearest dealer. The problem? The oil cap wasn't tight enough. Which caused oil to leak. Which caused airflow problems. Which caused the misfiring.

Hulk smash.

An update: I finally had a chance to go back to the mechanic's today, with the report from my dealership. Even after reading it, the mechanic fully denied that the oil change caused the problem. It was impossible. Oil would have leaked everywhere! I noted that the dealer said the oil was almost empty. "Impossible!"

Still, he gave me a \$100 store credit. Which is something, I guess. But what are the odds, really, of me bringing my car back to a place I can't trust to change the oil?

#### Minmom3

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##### Re: "I'm never shopping THERE again!" Share your story!
« Reply #3658 on: March 13, 2013, 07:50:22 PM »
Well, if we're taking guesses here, I'd have to say ZIP.  For them to maintain a refusal of responsibility even in the face of evidence means they cannot be trusted.  Cars are too expensive to take to people to act that way.
Double MIL now; not yet a Grandma.  Owner of Lard Butt Noelle, kitteh extraordinaire!

#### snowfire

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##### Re: "I'm never shopping THERE again!" Share your story!
« Reply #3659 on: March 13, 2013, 09:23:21 PM »
Sadly, more common than I would like to think.  The mother of a friend had her car in for an oil change and when she got it back she was driving back to their home in the country.  Engine light and oil pressure light came on and within a mile the engine seized up completely.  She had it towed in and it turned out the oil plug at the bottom of the pan was completely missing and oil was splattered all over the bottom of the car.  It was obvious that the plug had not been put back in properly, yet the mechanic denied up, down and sideways that the oil change had anything to do with the missing plug and seized engine.  She was NOT HAPPY.  I can't remember nonw if they ended up taking the mechanic to small claims court or not, but they never went back & I'm sure they spread the word about said mechanic.